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Affordability
Enter your income, debts, and down payment to see what you can afford at current rates. Supports conventional, FHA, VA, and USDA loans with live rate data.
Affordability
Estimate your monthly mortgage payment based on home price, down payment, interest rate, and loan term. Includes property taxes, homeowners insurance, PMI, and HOA dues so you see the full picture — not just principal and interest.
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Compare the true cost of renting vs buying a home over 5, 10, or 30 years. Factors in rent increases, home appreciation, tax deductions, opportunity cost of your down payment, and maintenance costs to show which option builds more wealth.
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Calculate the Loan-Level Price Adjustments on your conventional mortgage. LLPAs are risk-based fees that Fannie Mae and Freddie Mac charge based on your credit score, down payment, loan type, and property type — and they directly affect your interest rate.
Use Tool →Loan Limits
Look up conforming, FHA, VA, and USDA loan limits for any county in the US. Covers all 3,200+ counties with data back to 1972.
Loan Limits
Find out if your household income qualifies for FHA, USDA, or other government-backed mortgage programs. Income limits vary by county, household size, and program — this tool checks them all at once so you know which options are available to you.
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Enter any US address to instantly check if it falls within a USDA-eligible rural area. USDA loans offer 0% down payment and competitive rates, but only for properties in qualifying locations. The map updates as USDA redraws boundaries.
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Track upcoming economic events that affect mortgage rates — Fed meetings, jobs reports, inflation data, and housing releases. See what's scheduled, what happened, and how markets reacted.
Use Tool →Upload a Loan Estimate PDF or photo from any lender and see a side-by-side comparison against Opendoor. Compares interest rate, APR, monthly payment, lender fees, discount points, and total closing costs — with a breakeven analysis showing which deal saves more over time.
Use Tool →Rates
Compare Opendoor's live mortgage rates against market averages. See rate history, savings by credit score, and what today's rates mean for your monthly payment.
Rates
Calculate exactly how many months it takes to recoup your refinance closing costs through monthly payment savings. Enter your current rate, new rate, loan balance, and estimated closing costs to see whether refinancing makes financial sense for your situation.
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Generate a mortgage gift letter that meets lender and underwriter requirements. Gift funds are one of the most common sources of down payment money — this tool creates a properly formatted letter documenting the donor, amount, relationship, and repayment terms.
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Create a Letter of Explanation (LOE) for your mortgage application. Underwriters request LOEs for employment gaps, large bank deposits, late payments, address discrepancies, and other red flags. This tool generates a professional letter you can submit with your loan file.
Use Tool →Ask Anything
Type a mortgage question and get an answer grounded in real data — not generic advice. Every response pulls from HMDA records, live rates, loan limits, and 250+ articles.
Ask Homebuyer.com
Powered by real mortgage data
48 Income Levels
Each page shows what you can afford with current rates across 4 loan types, 6 credit scores, and 4 down payment levels.
$30K to $1.5M — click any amount to see the full breakdown.
Affordability
We built a dedicated affordability page for every income level from $30K to $1.5M. Each one pulls today's rates and calculates what you can buy with conventional, FHA, VA, and USDA loans.
Open Platform
Every tool on this page runs on the same data you can access through our public APIs and MCP server. If you're building something that needs mortgage data, you don't have to start from scratch.
Researchers, journalists, and developers already use our data. Free API keys, no commercial restrictions on non-commercial use, and it takes about 30 seconds to connect.
Explore the Developer Hub# Add to Claude Desktop, Cursor, or any MCP client
{
"mcpServers": {
"homebuyer": {
"url": "https://homebuyer.com/api/mcp"
}
}
}
# Or pull live rates with one line
curl "https://homebuyer.com/api/v1/rates?state=CA"All tools are free and provide estimates for educational purposes. Actual results may vary based on specific circumstances and lender requirements. Homebuyer.com is operated by Opendoor Home Loans LLC (NMLS #2810193).
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