Tools that tell you the truth about homeownership.
Buying your first home is one of the biggest decisions you’ll ever make, and most calculators leave out the parts that actually change the answer. We built HomeReadyCalc to fix that.
Our story
Most first-time homebuyers start their search the same way: they open a mortgage calculator on a big real-estate site, plug in a price, and see a monthly payment that looks great. Then they fall in love with a house, sign an offer, and only later find out about property taxes, homeowners insurance, PMI, and thousands of dollars of closing costs.
We built HomeReadyCalc so the real numbers come first — not at the closing table.
Our goal is simple: help first-time buyers (especially 20- to 40-year-olds buying their first place) make informed, confident decisions. That means honest calculators that include everything, guides written like a friend would explain them, and zero pressure to sign up, buy anything, or hand over a phone number.
Independent
We don’t sell mortgages or earn commissions from lenders. Just honest numbers and explanations.
Approachable
Written for real people in their 20s and 30s making one of the biggest decisions of their life.
Transparent
Every calculator explains its assumptions so you can adjust them to match your situation.
Practical
No fluff. Just the tools and guides that move the needle on your home-buying journey.
What’s next on HomeReadyCalc
Phase 1 covers the four most important calculators and three cornerstone guides. Next we’re building state-specific affordability pages, an amortization tool with extra-payment scenarios, a refinance calculator, and a glossary of every home-buying term that ever confused us.