Run the numbers.
Know what to ask next.
Six calculators for common home-buying and selling questions. Enter the numbers for the specific home or loan when you have them. Use a rate from your lender; Freddie Mac publishes a dated weekly national average, not a personal offer.
Mortgage payment
Estimate principal and interest plus the monthly housing costs you enter. Type your lender rate; the calculator does not assume a current quote.
Home affordability
Back into a home-price range from income, debt, down payment and housing costs.
Rent vs. buy
Compare estimated cash outlay over a chosen period, including the equity remaining if you sell.
Sell vs. rent out
Compare estimated net proceeds today with rental cash flow and equity if you sell after holding.
Seller net proceeds
Estimate cash remaining after loan payoff, negotiated costs and New Jersey deed-transfer fees.
Buyer closing costs
Estimate cash needed for your down payment and an editable planning allowance for buyer-side costs.
Allowance is a rough planning input, not an itemized quote. Adjust it or replace with estimates from your lender, title/settlement provider, attorney and tax records. New Jersey's Realty Transfer Fee and Graduated Percent Fee are generally seller responsibilities; transaction exemptions and terms can vary. A graduated percent fee is generally a seller responsibility under NJ law; confirm transaction class and exemption applicability with the closing attorney. Buyer costs vary by contract, lender and settlement provider.
All results are estimates for general planning, not a loan offer, appraisal, title quote, tax or legal advice, investment recommendation, or guarantee. Property taxes, insurance, financing, title/settlement costs, contract terms, exemptions and loan underwriting vary by property and person. Use the actual tax bill and written lender, attorney, accountant and settlement quotes before making decisions. The selected affordability ratio is user-entered for illustration, not a lender standard. Rent-versus-buy and sell-versus-rent comparisons omit personal taxes, tax benefits, financing qualification, opportunity cost, risk and many transaction-specific factors. Broker compensation is negotiable and is not assumed unless entered.
Sources: CFPB on debt-to-income ratio · Freddie Mac weekly mortgage survey · NJ Division of Taxation: Realty Transfer Fee. No current interest rate is prefilled as a personal quote.
Start with the numbers.
Compare buying, selling and housing costs with six planning calculators.
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Bring the listing, tax bill and any lender estimate.