Free home-buying check

Am I ready to buy a home?

Answer a handful of questions and get your Buyer Confidence Score — a clear, honest read on where you stand, with the numbers behind it and what would move them. About two minutes. No account, no paperwork, no credit pull.

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free · about 2 minutes · no credit pull

Buyer Confidence Score

Buyer-Ready

Your score, your numbers, your next steps

2 min

is all it takes to see your Buyer Confidence Score — and what would move it.

$0 always free to use

14 home calculators

0 credit pulls, ever

Try it live

Drag the sliders. Watch your score move.

A quick mirror of the full calculator — three inputs, instant read.

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Buyer Confidence Score

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Household income (yearly) 96000

Savings for the purchase 40000

Target home price 375000

Want the full picture?

The full calculator scores five factors — affordability, down payment, debts, credit, and reserves — and gives you a personal action plan and a report you can keep.

Start the full calculator →

This quick version is illustrative — the full calculator is the real thing.

How it works

Three steps to a clear picture.

Answer

A handful of dials — income, savings, the home you want. About two minutes, and you can type exact numbers.

See your score

Your Buyer Confidence Score, the five factors behind it, and a personal action plan ordered by impact.

Keep the report

A clear written summary you can save, print, or bring to a conversation with your agent.

The suite

Free calculators for every step of buying, owning, and selling.

How Much House Can I Afford?

Finds the price range whose full monthly payment (principal, interest, tax, insurance, PMI when under 20% down) fits the widely published 28/36 debt-to-income guidelines for your income, debts, and savings.

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Property Tax Estimator

Multiplies the home value by the effective property-tax rate for your area — resolved from a per-ZIP median where available, then county/state published rates, then the national average — always shown and adjustable.

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Down Payment Planner

Projects how long your monthly savings take to reach your chosen down payment plus typical closing costs, growing at a modest assumed return — and how much further a PMI-free 20% down payment is.

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Cash to Close

Adds up everything a buyer brings to closing: the down payment, itemized closing fees, and prepaid items (escrow reserves for taxes and insurance plus prepaid interest).

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Home Equity & Cash-Out

Estimates total home equity (value minus everything owed) and the portion typically available through a HELOC or cash-out refinance, using the standard 80% combined loan-to-value ceiling.

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Mortgage Payoff Accelerator

Runs your loan's amortization schedule twice — once as-is and once with your extra payments (biweekly paying adds roughly one extra monthly payment per year) — and compares total interest and payoff dates.

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Buy vs. Rent

Simulates buying versus renting month by month: the buyer pays a full ownership cost and builds equity in an appreciating home; the renter pays growing rent and invests the cash they didn't spend (down payment, buying costs, and any monthly savings). The break-even point is the first month the buyer's net position catches the renter's.

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The Cost of Waiting

Compares buying a home today against buying the same home after waiting: the later price applies your appreciation assumption, the later payment applies your rate-change assumption, and buying power shows what today's payment would afford at the later rate.

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Seller Net Sheet

Estimates what a seller walks away with: the sale price minus the mortgage payoff, agent commission, itemized closing fees, and any buyer credits.

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Buyer Confidence Score

Your Buyer Confidence Score is a weighted blend of five components of home-buying readiness — affordability, down payment, debt-to-income, credit health, and cash reserves — each scored 0–100 from your own figures and standard, published lending guidelines.

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Rental Property ROI

Standard rental-property metrics: net operating income (collected rent minus operating expenses), cap rate (NOI ÷ price), monthly cash flow after the loan payment, and cash-on-cash return (yearly cash flow ÷ cash invested).

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Mortgage Payment Estimator

Estimates a full monthly housing payment: loan principal and interest via standard amortization, plus property tax, homeowners insurance, PMI when the down payment is under 20%, and HOA dues.

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Home Improvement ROI

Applies published national cost-vs-value recoup averages to your project budget: the typical share of a renovation's cost reflected in resale value.

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Refinance Break-Even

Compares your current principal & interest payment with a refinanced payment, then divides the closing costs by the monthly savings to find the break-even point — with an honest lifetime-cost comparison alongside.

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Questions

Good questions to ask.

Is this really free?

Yes. The calculators are free to use, no account required, and your result appears instantly.

Do you pull my credit?

Never. Credit is self-reported — you pick a range, and the score is an educational self-assessment, not a lending decision or pre-approval.

Do I need to hand over my email or phone number?

No. There are no forms between you and your result. You choose whether to save or share your report.

How accurate is the score?

The score uses standard home-finance math — amortization, published debt-to-income guidelines, real closing-fee data where available. Every calculator publishes its methodology, and the report shows the numbers behind your result.

What happens after I get my score?

You keep the report, and the action plan shows what would move your score most. If you want to go deeper, the calculators are presented in partnership with local real estate professionals — you can take your results to yours, or to ours.

Who is behind the Home Confidence Center?

ProspectMatch — we build the calculator platform real estate agents and title companies across the U.S. offer to their clients and communities.

Two minutes, on your terms

Find out where you actually stand.

Free, no account, no credit pull — and the report is yours to keep.

Check my buyer confidence

Calculators presented in partnership with local real estate professionals. Are you one? →