First-Time Homebuyer Calculators
50 free calculators — all 50 states
Calculate total costs for first-time homebuyers by state including down payment, closing costs, PMI, and monthly payments.
All Calculators
Alabama First-Time Homebuyer Calculator
First-time homebuyer costs in Alabama: $8,470 FHA down payment, $6,050 closing costs, 0.37% property tax. See total upfront costs & monthly payments.
Alaska First-Time Homebuyer Calculator
First-time homebuyer costs in Alaska: $14,035 FHA down payment, $11,228 closing costs, 0.94% property tax. See total upfront costs & monthly payments.
Arizona First-Time Homebuyer Calculator
First-time homebuyer costs in Arizona: $14,805 FHA down payment, $9,729 closing costs, 0.48% property tax. See total upfront costs & monthly payments.
Arkansas First-Time Homebuyer Calculator
First-time homebuyer costs in Arkansas: $8,015 FHA down payment, $6,183 closing costs, 0.56% property tax. See total upfront costs & monthly payments.
California First-Time Homebuyer Calculator
First-time homebuyer costs in California: $27,160 FHA down payment, $15,520 closing costs, 0.7% property tax. See total upfront costs & monthly payments.
Colorado First-Time Homebuyer Calculator
First-time homebuyer costs in Colorado: $19,005 FHA down payment, $11,946 closing costs, 0.5% property tax. See total upfront costs & monthly payments.
Connecticut First-Time Homebuyer Calculator
First-time homebuyer costs in Connecticut: $15,925 FHA down payment, $14,105 closing costs, 1.54% property tax. See total upfront costs & monthly payments.
Delaware First-Time Homebuyer Calculator
First-time homebuyer costs in Delaware: $14,420 FHA down payment, $14,420 closing costs, 0.54% property tax. See total upfront costs & monthly payments.
Florida First-Time Homebuyer Calculator
First-time homebuyer costs in Florida: $13,230 FHA down payment, $9,450 closing costs, 0.78% property tax. See total upfront costs & monthly payments.
Georgia First-Time Homebuyer Calculator
First-time homebuyer costs in Georgia: $11,725 FHA down payment, $9,380 closing costs, 0.79% property tax. See total upfront costs & monthly payments.
Hawaii First-Time Homebuyer Calculator
First-time homebuyer costs in Hawaii: $29,295 FHA down payment, $20,925 closing costs, 0.29% property tax. See total upfront costs & monthly payments.
Idaho First-Time Homebuyer Calculator
First-time homebuyer costs in Idaho: $16,870 FHA down payment, $11,086 closing costs, 0.5% property tax. See total upfront costs & monthly payments.
Illinois First-Time Homebuyer Calculator
First-time homebuyer costs in Illinois: $10,465 FHA down payment, $8,970 closing costs, 1.88% property tax. See total upfront costs & monthly payments.
Indiana First-Time Homebuyer Calculator
First-time homebuyer costs in Indiana: $9,170 FHA down payment, $6,550 closing costs, 0.76% property tax. See total upfront costs & monthly payments.
Iowa First-Time Homebuyer Calculator
First-time homebuyer costs in Iowa: $8,435 FHA down payment, $6,748 closing costs, 1.33% property tax. See total upfront costs & monthly payments.
Kansas First-Time Homebuyer Calculator
First-time homebuyer costs in Kansas: $8,855 FHA down payment, $6,578 closing costs, 1.21% property tax. See total upfront costs & monthly payments.
Kentucky First-Time Homebuyer Calculator
First-time homebuyer costs in Kentucky: $8,225 FHA down payment, $6,345 closing costs, 0.74% property tax. See total upfront costs & monthly payments.
Louisiana First-Time Homebuyer Calculator
First-time homebuyer costs in Louisiana: $7,630 FHA down payment, $6,104 closing costs, 0.55% property tax. See total upfront costs & monthly payments.
Maine First-Time Homebuyer Calculator
First-time homebuyer costs in Maine: $14,840 FHA down payment, $12,720 closing costs, 0.98% property tax. See total upfront costs & monthly payments.
Maryland First-Time Homebuyer Calculator
First-time homebuyer costs in Maryland: $15,260 FHA down payment, $13,952 closing costs, 0.92% property tax. See total upfront costs & monthly payments.
Massachusetts First-Time Homebuyer Calculator
First-time homebuyer costs in Massachusetts: $23,555 FHA down payment, $20,190 closing costs, 1% property tax. See total upfront costs & monthly payments.
Michigan First-Time Homebuyer Calculator
First-time homebuyer costs in Michigan: $9,450 FHA down payment, $7,560 closing costs, 1.19% property tax. See total upfront costs & monthly payments.
Minnesota First-Time Homebuyer Calculator
First-time homebuyer costs in Minnesota: $12,495 FHA down payment, $9,639 closing costs, 1% property tax. See total upfront costs & monthly payments.
Mississippi First-Time Homebuyer Calculator
First-time homebuyer costs in Mississippi: $6,930 FHA down payment, $5,148 closing costs, 0.58% property tax. See total upfront costs & monthly payments.
Missouri First-Time Homebuyer Calculator
First-time homebuyer costs in Missouri: $9,520 FHA down payment, $6,800 closing costs, 0.89% property tax. See total upfront costs & monthly payments.
Montana First-Time Homebuyer Calculator
First-time homebuyer costs in Montana: $16,660 FHA down payment, $11,424 closing costs, 0.61% property tax. See total upfront costs & monthly payments.
Nebraska First-Time Homebuyer Calculator
First-time homebuyer costs in Nebraska: $9,940 FHA down payment, $7,668 closing costs, 1.44% property tax. See total upfront costs & monthly payments.
Nevada First-Time Homebuyer Calculator
First-time homebuyer costs in Nevada: $15,680 FHA down payment, $10,304 closing costs, 0.5% property tax. See total upfront costs & monthly payments.
New Hampshire First-Time Homebuyer Calculator
First-time homebuyer costs in New Hampshire: $18,305 FHA down payment, $15,690 closing costs, 1.5% property tax. See total upfront costs & monthly payments.
New Jersey First-Time Homebuyer Calculator
First-time homebuyer costs in New Jersey: $20,475 FHA down payment, $20,475 closing costs, 1.88% property tax. See total upfront costs & monthly payments.
New Mexico First-Time Homebuyer Calculator
First-time homebuyer costs in New Mexico: $11,235 FHA down payment, $8,025 closing costs, 0.63% property tax. See total upfront costs & monthly payments.
New York First-Time Homebuyer Calculator
First-time homebuyer costs in New York: $18,410 FHA down payment, $19,988 closing costs, 1.3% property tax. See total upfront costs & monthly payments.
North Carolina First-Time Homebuyer Calculator
First-time homebuyer costs in North Carolina: $11,900 FHA down payment, $8,500 closing costs, 0.66% property tax. See total upfront costs & monthly payments.
North Dakota First-Time Homebuyer Calculator
First-time homebuyer costs in North Dakota: $10,290 FHA down payment, $7,350 closing costs, 0.92% property tax. See total upfront costs & monthly payments.
Ohio First-Time Homebuyer Calculator
First-time homebuyer costs in Ohio: $8,820 FHA down payment, $6,804 closing costs, 1.36% property tax. See total upfront costs & monthly payments.
Oklahoma First-Time Homebuyer Calculator
First-time homebuyer costs in Oklahoma: $7,875 FHA down payment, $5,625 closing costs, 0.79% property tax. See total upfront costs & monthly payments.
Oregon First-Time Homebuyer Calculator
First-time homebuyer costs in Oregon: $17,640 FHA down payment, $12,096 closing costs, 0.81% property tax. See total upfront costs & monthly payments.
Pennsylvania First-Time Homebuyer Calculator
First-time homebuyer costs in Pennsylvania: $10,290 FHA down payment, $9,408 closing costs, 1.26% property tax. See total upfront costs & monthly payments.
Rhode Island First-Time Homebuyer Calculator
First-time homebuyer costs in Rhode Island: $18,095 FHA down payment, $15,510 closing costs, 1.12% property tax. See total upfront costs & monthly payments.
South Carolina First-Time Homebuyer Calculator
First-time homebuyer costs in South Carolina: $10,815 FHA down payment, $8,343 closing costs, 0.49% property tax. See total upfront costs & monthly payments.
South Dakota First-Time Homebuyer Calculator
First-time homebuyer costs in South Dakota: $11,410 FHA down payment, $8,476 closing costs, 1% property tax. See total upfront costs & monthly payments.
Tennessee First-Time Homebuyer Calculator
First-time homebuyer costs in Tennessee: $11,865 FHA down payment, $8,814 closing costs, 0.52% property tax. See total upfront costs & monthly payments.
Texas First-Time Homebuyer Calculator
First-time homebuyer costs in Texas: $10,605 FHA down payment, $7,575 closing costs, 1.4% property tax. See total upfront costs & monthly payments.
Utah First-Time Homebuyer Calculator
First-time homebuyer costs in Utah: $18,970 FHA down payment, $12,466 closing costs, 0.48% property tax. See total upfront costs & monthly payments.
Vermont First-Time Homebuyer Calculator
First-time homebuyer costs in Vermont: $14,070 FHA down payment, $12,864 closing costs, 1.51% property tax. See total upfront costs & monthly payments.
Virginia First-Time Homebuyer Calculator
First-time homebuyer costs in Virginia: $14,700 FHA down payment, $11,340 closing costs, 0.78% property tax. See total upfront costs & monthly payments.
Washington First-Time Homebuyer Calculator
First-time homebuyer costs in Washington: $21,105 FHA down payment, $15,075 closing costs, 0.75% property tax. See total upfront costs & monthly payments.
West Virginia First-Time Homebuyer Calculator
First-time homebuyer costs in West Virginia: $6,405 FHA down payment, $5,124 closing costs, 0.51% property tax. See total upfront costs & monthly payments.
Wisconsin First-Time Homebuyer Calculator
First-time homebuyer costs in Wisconsin: $11,970 FHA down payment, $9,576 closing costs, 1.32% property tax. See total upfront costs & monthly payments.
Wyoming First-Time Homebuyer Calculator
First-time homebuyer costs in Wyoming: $13,055 FHA down payment, $8,579 closing costs, 0.53% property tax. See total upfront costs & monthly payments.
Related Guides
About First-Time Homebuyer Calculators
Calculate total costs for first-time homebuyers by state including down payment, closing costs, PMI, and monthly payments. All 50 calculators are free to use, require no sign-up, and provide instant, formula-based results — see each calculator's own methodology section below for exactly how its figures are calculated and sourced.
Each calculator includes a detailed methodology section explaining the formulas used, data sources cited with verification dates, and frequently asked questions to help you understand the results. Results are shareable and print-friendly.