Dr. X Song, Realtor®– Pleasanton & Tri-Valley Home Buying

Home Buyer Calculators — DrXSong

Home Buyer Calculators

Run the numbers before you commit. These tools give you the full financial picture — not just the monthly payment.

Mortgage Details

Home Price ($)

Down Payment

20%

Interest Rate (%)

Loan Term

Property Tax Rate (%/yr)

Home Insurance ($/yr)

HOA ($/mo)

For estimation purposes only. Consult a lender for exact figures. Rates as of early 2026.

Ownership Costs

Home Price ($)

Down Payment

20%

Interest Rate (%)

Loan Term

Property Tax (%/yr)

Insurance ($/yr)

HOA ($/mo)

Maintenance (%/yr of price)

Opportunity Cost — Alt. Investment Return (%/yr)

Opportunity cost reflects the potential return if your down payment were invested instead. For estimation only.

Compare Renting & Buying

Home Price ($)

Down Payment (%)

Mortgage Rate (%)

Monthly Rent ($)

Annual Rent Increase (%)

Home Appreciation (%/yr)

Investment Return (%/yr)

Property Tax (%/yr)

Years to Compare

7

Simplified model. Does not account for tax deductions, closing costs on sale, or market volatility. For estimation only.