Plan the home purchase with both markets in view
Choose Canada or the United States, then use four focused calculators to compare payments, affordability, rate shock, and cash needed at closing. The suite gives homebuyers and mortgage professionals a clear starting point for early planning conversations, with editable assumptions and visible country-specific rules. Results are estimates, not mortgage approval.
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A clearer next decision
Use the tools in the order your shop needs.
- Choose Canada or the U.S. before entering rates, taxes, and fees.
- Compare payment, affordability, payment shock, and cash needed at closing.
- Edit local assumptions, then confirm the estimate with a licensed broker or lender.
Recommended first step
Build the full mortgage plan in one view
Connect affordability, monthly payment, rate shock, and cash needed at closing with one set of editable assumptions, so the next home-buying conversation starts with the full picture.
- Affordability and maximum price
- Monthly housing payment
- Payment at a higher rate
- Cash needed at closing
Start with the question
A practical mortgage workflow for buyers and broker teams
Each tool answers a different business question. Begin with the decision in front of you, not with a random number.
Start with Mortgage Payment when a buyer needs the monthly number in context. The Canada view uses semi-annual rate conversion and Canadian mortgage-insurance assumptions, while the U.S. view uses monthly principal and interest with PMI planning. Add property tax, heating, insurance, condo fees, or HOA costs so the estimate reflects more than principal and interest.
Move to Mortgage Affordability & Qualifier when the question is about a home-price range. Canada uses editable GDS and TDS planning ratios with a qualifying-rate floor and spread. The U.S. view uses editable front-end and back-end DTI guidance with a higher scenario rate. These are educational comparison tools, not underwriting rules.
Mortgage professionals and broker teams can share a client-friendly estimate before or during a conversation, then change the country, income, debt, down payment, rate, and housing-cost assumptions together. The shared result helps a client see which question to bring to a licensed broker or lender. It does not represent a lender, brokerage, product recommendation, or approval.
Use Mortgage Closing Costs when the down payment is only part of the cash plan. Ontario and Toronto land-transfer-tax assumptions are shown separately from editable non-Ontario Canadian costs. U.S. scenarios itemize lender fees, points, title and settlement, prepaids, escrow, and other inputs. For rental, renovation, or refinance scenarios, use the separate Real Estate Investing hub.
- 01Choose the decision
- 02Enter true costs
- 03Test another scenario
Start here
The most useful live tools
Begin with these Mortgage & Home Buying calculators when you need a quick answer. Live tools open the shared calculator experience, while planned tools remain clearly marked below.
Mortgage Payment Calculator
Estimate mortgage payments, mortgage insurance, and recurring housing costs with Canada and U.S. assumptions you can review.
Mortgage Affordability & Qualifier Calculator
Work backward from income, debts, down payment, and lender-style ratios to estimate a mortgage amount and home price.
Mortgage Stress Test / Payment Shock Calculator
Compare a mortgage payment at the contract rate with an editable qualifying or scenario rate for Canada and the U.S.
Browse by decision
All Mortgage & Home Buying calculator groups
Plan cash needed at closing
Itemize the costs that sit beside the down payment, with Canada and U.S. inputs kept separate.
Decision guide
What to use next on Mortgage & Home Buying
A practical route through the calculator families, based on the work sellers do before and after a sale.
When you need the monthly housing number
Use Mortgage Payment to compare principal and interest with property tax, heating, insurance, condo fees, HOA costs, and mortgage insurance. Choose Canada or the U.S. first, then replace the starting assumptions with the figures that fit the home and borrower.
Use Mortgage Payment
When a buyer asks, how much home can I afford?
Use Mortgage Affordability & Qualifier with gross income, recurring debts, down payment, and the country-specific ratio and rate assumptions. Review the estimated price and the ratios behind it as a conversation starter, not a qualification promise.
Use Mortgage Affordability
When a higher rate could change the plan
Use Mortgage Stress Test to compare the contract payment with a higher-rate scenario. Canada uses the qualifying-rate floor and spread; the U.S. view shows payment shock for education and does not claim a federal stress-test rule.
Use Mortgage Stress Test
Before planning cash to close
Use Mortgage Closing Costs to separate the down payment from taxes, legal or settlement costs, lender charges, insurance, prepaids, escrow, and credits. Check the jurisdiction and transaction terms with the professionals handling the purchase.
Use Mortgage Closing Costs
Related guides
Keep learning between calculations
Browse the live blog for practical pricing, fee, and profit guidance. This hub will surface matching published posts here as the platform library grows.
Frequently asked questions
Clear answers for Mortgage & Home Buying sellers
Keep your next move close
Use the full directory when your question moves beyond Mortgage & Home Buying. Every calculator is organized by platform or business decision.
Browse the calculator directoryExplore another channel
Related platform hubs
The same seller math changes by channel. Compare the categories that are closest to the way you sell.
Ready for the next number?
Browse every calculator in one place
Search the full catalog by platform, question, or business metric. Start with a live tool and return to this hub when you need the platform context again.