Tools
Calculators for first-time Bay Area buyers
No account, no lead form. Start with buying power — the rest of the toolkit is rolling out next.
Available now
Every tool, at a glance
Buying power calculator
Estimate your price range, monthly payment and cash needed from your own numbers.
Monthly payment breakdown
Principal, interest, taxes, insurance and HOA — already built into the calculator below.
Rent vs. buy check
Compare renting today against owning over several years.
Cash-to-close estimator
A dedicated breakdown of down payment, closing costs and reserves.
Buying power
Try it now
Change the numbers to match your own household.
Your numbers
Pre-filled with demo values — change them to match your situation.
Estimated home price range
$855K – $995K
Based on a 40% debt-to-income demo assumption
Estimated monthly payment
$6,633
Principal, interest, taxes, insurance, HOA
Estimated cash needed
$178,749
Down payment + ~2.5% closing + reserves
Estimate only. Demo values are placeholders and not a loan pre-approval or financial advice.
Get the Bay Area first-home numbers each month
City price updates, assistance program changes, new construction openings, and honest notes from our own buying journey. No listings spam.