Four tools covering the buyer's first four questions, in the order they come up. How much house can I afford? — the home affordability calculator applies the standard debt-to-income discipline lenders use (housing costs near a third of gross income, all debts lower) to your real numbers, which beats the bank's pre-approval ceiling as a budget: the bank asks what they can safely lend; this asks what your life can safely carry.

How much cash do I need up front? — the down payment calculator totals it honestly: the percentage you choose, closing costs, and the reserves lenders want to see, because '20% down' alone understates the wire you actually send. Do I qualify for an FHA loan? — the FHA qualification calculator checks the program's more forgiving thresholds (3.5% down with a qualifying credit score, flexible DTI), the main route to homeownership for first-time and lower-down-payment buyers. And should I even buy? — the rent vs buy calculator runs the comparison over your real timeline, since the answer flips with how long you stay: short stays favor renting almost everywhere; the buy case compounds with every year past roughly five to seven.