Real-time tools to model temporary-buydown tradeoffs, cash-to-close, HELOC repayment, and true affordability — based on guidance from CFPB, Fannie Mae, FHFA, HUD, and Freddie Mac. Every field is editable. Every result recalculates instantly.
Estimate your reduced payment during a 2-1 or 3-2-1 buydown, see the full note payment, and measure the subsidy required to make the deal work.
How to use: Enter your loan amount, term, and full note rate. Choose 2-1 or 3-2-1. The calculator returns the reduced payment in each buydown year, the monthly subsidy, and the total seller / lender / builder buydown fund required at closing. Per Fannie Mae B2-1.4-04, borrowers still qualify at the full note rate.
Educational tool. Calculations may contain errors. Borrowers qualify at the full note rate per Fannie Mae B2-1.4-04. Buydown funds are paid by seller, lender, or builder per program rules, not the borrower. Verify all figures with a licensed mortgage professional.
Enter your purchase price and loan amount for a quick estimate of your down payment and total cash to close.
How to use: Enter the purchase price and your loan amount. Closing costs are estimated at a flat 2.5% of the purchase price — a simple ballpark to help you gauge the total cash needed at closing.
Educational tool. The 2.5% closing-cost figure is a simplified estimate only — actual closing costs vary by state, program, lender fees, prepaids, escrows, and credits, and are governed by your Loan Estimate and Closing Disclosure under TRID. This estimate also excludes earnest money already deposited and any seller or lender credits. Verify your true cash to close with your loan officer and escrow / settlement agent.
Simulate a Home Equity Line of Credit across both phases — interest-only during the draw period and fully amortizing during repayment.
How to use: Enter your home value and existing first-mortgage balance to compute available equity. Choose a max combined LTV (CLTV) the lender allows. Enter the amount you plan to draw and the variable HELOC rate. The tool shows your interest-only payment during the draw period and the amortizing payment that kicks in at repayment. HELOC rates are variable — a +1% rate stress test is included.
Educational tool. HELOCs carry variable rates tied to an index (e.g., Prime). Payments can rise materially if the index rises. The draw period and repayment period vary by lender and product. Read your Truth-In-Lending and HELOC disclosures carefully.
Calculate your true maximum affordable purchase price using DTI ratios, then layer in a residual-income comfort check.
How to use: The calculator multiplies your gross monthly income by your allowable DTI to determine maximum total monthly obligations, subtracts existing debts and escrow items to isolate P&I, then reverse-engineers the largest principal balance you can support. Adds your down payment to display the maximum purchase price. Lender max ≠ comfortable budget — residual income shows what you'd have left after all monthly obligations.
Educational tool. Maximum DTI varies by loan program (Fannie Mae, Freddie Mac, FHA, VA, USDA) and by compensating factors such as reserves, residual income, and credit history. CFPB's Qualified Mortgage rule uses 43% DTI as a safe-harbor reference. Lender approval and personal comfort are not the same number. Run your numbers with a licensed advisor.
All four calculators are educational tools only. They are not a Loan Estimate, Closing Disclosure, pre-qualification, conditional approval, or commitment to lend. Figures are based on user-provided inputs and standard amortization math; calculations may contain errors. Verify all results with a licensed mortgage professional before acting.
All loans subject to underwriting approval. All borrowers must meet minimum credit score, loan-to-value, debt-to-income, reserve, employment, and program-specific requirements. Rates, fees, and program availability change without notice. HELOC products feature variable rates and may result in higher payments if the index rises.
2026 data references: Freddie Mac Primary Mortgage Market Survey; FHFA Conforming Loan Limits; HUD FHA mortgage limits and MIP structure; CFPB Closing Disclosure framework and HOEPA/QM rules; Fannie Mae Selling Guide B2-1.4-04 (temporary buydowns); Homeowners Protection Act of 1998 (PMI cancellation).
CrossCountry Mortgage, LLC NMLS 3029 (www.nmlsconsumeraccess.org). Equal Housing Opportunity Lender. JJ Mazzo · NMLS 186548 · Executive Vice President · Mazzo Group · 31351 Rancho Viejo Road, Suite 204, San Juan Capistrano, CA 92675. Licensed nationally — confirm state-specific licensing at NMLS Consumer Access.
Mazzo Group at CrossCountry Mortgage · NMLS 3029 · Branch NMLS 1790854 · JJ Mazzo Personal NMLS 186548. Calculators provided for educational purposes only. May contain errors. Verify with a licensed professional. Equal Housing Opportunity.