Know Your Numbers
Before You Look
Six free calculators built specifically for Maryland home buyers. Understand your affordability, monthly payments, down payment needs, and which state programs you qualify for — all in one place.
Real Numbers for Real Maryland Buyers
Most online calculators are built for generic buyers anywhere in the country. These tools are built specifically for Maryland — with real MMP income limits by county, the actual loan types available to you including ITIN mortgages, and Maryland-specific program information.
Use them to get a realistic picture of where you stand before your first consultation. The numbers will give us a much more productive conversation.
Your Maryland Homebuyer Calculators
Enter your monthly income, debts, and savings to see your estimated home price range and which Maryland programs may apply.
Calculate your full monthly payment including taxes, insurance, and PMI based on your purchase price and down payment.
Does not include PMI (required if down payment < 20%), HOA fees, or utilities. Consult a licensed lender for official figures.
See exactly how much cash you need based on loan type — including FHA, conventional, VA, USDA, and ITIN mortgages for non-SSN buyers.
Compare the true 5-year cost of renting vs buying, factoring in equity built, appreciation, and all housing costs.
Assumes 3% annual home appreciation, 3% annual rent increase, 6.5% mortgage rate, 1.1% property tax, 0.8% insurance and maintenance.
Check whether you likely qualify for the Maryland Mortgage Program, HomeCredit MCC, and down payment assistance based on real 2024 county limits.
Income and purchase price limits change annually. These figures are based on 2024 MMP guidelines. Contact CAST Realty MD for current limits in your specific county.
See which loan types are available at your credit score, your estimated rate, and what improving your score could save over the life of your loan.
Maryland Home Buying Guide
The complete Maryland home buying process explained in plain language. No confusing jargon, no fluff — just a clear picture of every step from first conversation to closing day.
- The full process from start to close, explained step by step
- Checklists and a real breakdown of what buying in Maryland costs
- Maryland program guide — MMP, HomeCredit, DPA by county
- Resources for first-time, returning, and immigrant families
These Are Estimates.
We Give You the Real Picture.
Book a free 30-minute call and Brenda will review your actual situation — your credit, your income, your savings, and which Maryland programs you truly qualify for. No estimates. No guesswork.