Home buying calculators
Free, itemized calculators and fee explainers for every step of buying a home. By city, by lender, by line item.
Closing cost calculators
Florida closing cost calculator
Itemized buyer-side closing costs for any Florida home - doc stamps, intangible tax, title insurance, lender fees, and escrow.
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Jacksonville closing cost calculator
Buyer-side closing costs for homes in Jacksonville and Duval County, Florida.
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Duval County closing cost calculator
What you'll pay at the closing table on a Duval County, FL home.
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St. Johns County closing cost calculator
Buyer-side closing costs for St. Augustine, Ponte Vedra, and Nocatee homes.
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Miami-Dade closing cost calculator
Closing costs for Miami, Coral Gables, Doral, Aventura, and Homestead.
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Texas closing cost calculator
Buyer-side closing costs for any home in Texas.
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California closing cost calculator
Buyer-side closing costs for California homes - including city transfer tax variations.
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Georgia closing cost calculator
What buyers pay at closing in Atlanta, Savannah, Athens, and across Georgia.
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North Carolina closing cost calculator
Closing costs for Raleigh, Charlotte, Asheville, and the rest of NC.
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New Jersey closing cost calculator
Closing costs for New Jersey buyers - including NJ's outsized escrow burden.
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Arizona closing cost calculator
Buyer-side closing costs for Phoenix, Scottsdale, Tucson, and Mesa.
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Tampa closing cost calculator
Buyer-side closing costs for Tampa, Brandon, and Hillsborough County.
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Orlando closing cost calculator
Buyer-side closing costs for Orlando, Winter Park, Lake Nona, and Horizon West.
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By city
98 cities, four calculators each. Tap any city for closing cost, monthly payment, affordability, and property tax.
Jacksonville, FL
St. Petersburg, FL
Fort Lauderdale, FL
Cape Coral, FL
Tallahassee, FL
Gainesville, FL
San Antonio, TX
Fort Worth, TX
Los Angeles, CA
San Francisco, CA
San Diego, CA
Sacramento, CA
Long Beach, CA
Rochester, NY
Jersey City, NJ
Naperville, IL
Charlotte, NC
Greensboro, NC
Nashville, TN
Knoxville, TN
Scottsdale, AZ
Las Vegas, NV
Henderson, NV
Colorado Springs, CO
Salt Lake City, UT
Minneapolis, MN
Saint Paul, MN
Grand Rapids, MI
Milwaukee, WI
Indianapolis, IN
Cleveland, OH
Cincinnati, OH
Kansas City, MO
Saint Louis, MO
Worcester, MA
Philadelphia, PA
Pittsburgh, PA
Washington, DC
Baltimore, MD
Virginia Beach, VA
New Orleans, LA
Birmingham, AL
Huntsville, AL
Louisville, KY
Lexington, KY
Oklahoma City, OK
Little Rock, AR
Albuquerque, NM
Charleston, SC
Lender comparisons
Side-by-side rate, fee, and product comparisons for the top US mortgage lenders.
Rocket Mortgage vs Better Mortgage
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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Rocket Mortgage vs Chase
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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Rocket Mortgage vs Wells Fargo
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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Rocket Mortgage vs loanDepot
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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Rocket Mortgage vs AmeriSave
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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Rocket Mortgage vs Bank of America
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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Rocket Mortgage vs US Bank
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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Rocket Mortgage vs Fairway Independent Mortgage
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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Rocket Mortgage vs Movement Mortgage
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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Rocket Mortgage vs Guild Mortgage
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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Rocket Mortgage vs PennyMac
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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Rocket Mortgage vs NewRez
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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Rocket Mortgage vs Cardinal Financial
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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Better Mortgage vs AmeriSave
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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Better Mortgage vs Chase
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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Better Mortgage vs loanDepot
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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Better Mortgage vs Wells Fargo
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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Better Mortgage vs Bank of America
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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Better Mortgage vs US Bank
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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Better Mortgage vs PennyMac
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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Better Mortgage vs NewRez
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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Chase vs Wells Fargo
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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Chase vs Bank of America
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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Chase vs US Bank
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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Chase vs loanDepot
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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Chase vs AmeriSave
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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Chase vs Navy Federal Credit Union
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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Wells Fargo vs Bank of America
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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Wells Fargo vs US Bank
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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Wells Fargo vs loanDepot
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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Wells Fargo vs AmeriSave
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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Wells Fargo vs Navy Federal Credit Union
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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Bank of America vs US Bank
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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Bank of America vs Navy Federal Credit Union
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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Bank of America vs AmeriSave
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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US Bank vs Navy Federal Credit Union
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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loanDepot vs Guild Mortgage
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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loanDepot vs Fairway Independent Mortgage
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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loanDepot vs AmeriSave
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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loanDepot vs Movement Mortgage
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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loanDepot vs PennyMac
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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loanDepot vs NewRez
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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Fairway Independent Mortgage vs Movement Mortgage
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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Fairway Independent Mortgage vs Guild Mortgage
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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Fairway Independent Mortgage vs Cardinal Financial
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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Fairway Independent Mortgage vs PennyMac
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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PennyMac vs NewRez
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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PennyMac vs AmeriSave
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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PennyMac vs Guild Mortgage
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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PennyMac vs Cardinal Financial
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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Cardinal Financial vs Movement Mortgage
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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Cardinal Financial vs Guild Mortgage
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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Cardinal Financial vs NewRez
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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Navy Federal Credit Union vs Rocket Mortgage
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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Navy Federal Credit Union vs Fairway Independent Mortgage
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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Navy Federal Credit Union vs loanDepot
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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NewRez vs Guild Mortgage
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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NewRez vs Movement Mortgage
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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NewRez vs AmeriSave
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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AmeriSave vs loanDepot
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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AmeriSave vs Guild Mortgage
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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AmeriSave vs Movement Mortgage
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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Movement Mortgage vs Guild Mortgage
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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Guild Mortgage vs Navy Federal Credit Union
A side-by-side comparison of rates, lender fees, products, and where each one actually wins.
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Lender fee reviews
What each major lender typically charges in lender-controlled fees, and where to push back.
Rocket Mortgage mortgage fees and rates
What Rocket Mortgage typically charges, where they win, and where to push back.
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Better Mortgage mortgage fees and rates
What Better Mortgage typically charges, where they win, and where to push back.
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Chase mortgage fees and rates
What Chase typically charges, where they win, and where to push back.
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Wells Fargo mortgage fees and rates
What Wells Fargo typically charges, where they win, and where to push back.
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Bank of America mortgage fees and rates
What Bank of America typically charges, where they win, and where to push back.
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US Bank mortgage fees and rates
What US Bank typically charges, where they win, and where to push back.
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loanDepot mortgage fees and rates
What loanDepot typically charges, where they win, and where to push back.
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Guild Mortgage mortgage fees and rates
What Guild Mortgage typically charges, where they win, and where to push back.
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Fairway Independent Mortgage mortgage fees and rates
What Fairway Independent Mortgage typically charges, where they win, and where to push back.
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NewRez mortgage fees and rates
What NewRez typically charges, where they win, and where to push back.
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AmeriSave mortgage fees and rates
What AmeriSave typically charges, where they win, and where to push back.
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Cardinal Financial mortgage fees and rates
What Cardinal Financial typically charges, where they win, and where to push back.
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Movement Mortgage mortgage fees and rates
What Movement Mortgage typically charges, where they win, and where to push back.
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PennyMac mortgage fees and rates
What PennyMac typically charges, where they win, and where to push back.
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Navy Federal Credit Union mortgage fees and rates
What Navy Federal Credit Union typically charges, where they win, and where to push back.
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Fee explainers
Every line item on a Loan Estimate, what it actually pays for, and when to negotiate it down.
Mortgage Application Fee
A fee some lenders charge just to start your loan file.
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Loan Origination Fee
The lender's main fee for making the loan, usually quoted as a percent of the loan amount.
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Discount Points
Optional money you pay up front to lower your interest rate.
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Underwriting Fee
A fee for the lender's underwriting team to review your file.
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Processing Fee
A fee for the lender's processor to gather your documents and shepherd the file to underwriting.
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Document Preparation Fee
A fee for preparing the loan documents at closing.
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Rate Lock Fee
A fee some lenders charge to lock your interest rate during underwriting.
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Courier Fee
A fee for physically transporting documents.
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Wire Transfer Fee
A fee for the wire transfer that funds the loan.
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Tax Service Fee
A fee for a third-party service that monitors your property tax payments to make sure your escrow is paying them on time.
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Flood Certification Fee
A fee for determining whether your property is in a federal flood zone.
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Credit Report Fee
A fee for pulling your tri-merge credit report.
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Appraisal Fee
A fee for a licensed appraiser to value the property.
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Lenders with No Junk Fees
A short list of lenders that consistently quote $0 application, $0 origination, and $0 underwriting fees on conforming loans.
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Section A on the Loan Estimate (Origination Charges)
The section of your Loan Estimate that lists every fee the lender controls. The most negotiable section.
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