First-Time Homebuyer Calculators
50 free calculators
Calculate total costs for first-time homebuyers by state including down payment, closing costs, PMI, and monthly payments.
Alabama First-Time Homebuyer Calculator
First-time homebuyer costs in Alabama: $7,350 FHA down payment, $5,250 closing costs, 0.41% property tax. See total upfront costs & monthly payments.
Alaska First-Time Homebuyer Calculator
First-time homebuyer costs in Alaska: $11,550 FHA down payment, $9,240 closing costs, 1.19% property tax. See total upfront costs & monthly payments.
Arizona First-Time Homebuyer Calculator
First-time homebuyer costs in Arizona: $13,300 FHA down payment, $8,740 closing costs, 0.62% property tax. See total upfront costs & monthly payments.
Arkansas First-Time Homebuyer Calculator
First-time homebuyer costs in Arkansas: $6,475 FHA down payment, $4,995 closing costs, 0.62% property tax. See total upfront costs & monthly payments.
California First-Time Homebuyer Calculator
First-time homebuyer costs in California: $27,475 FHA down payment, $15,700 closing costs, 0.76% property tax. See total upfront costs & monthly payments.
Colorado First-Time Homebuyer Calculator
First-time homebuyer costs in Colorado: $18,550 FHA down payment, $11,660 closing costs, 0.51% property tax. See total upfront costs & monthly payments.
Connecticut First-Time Homebuyer Calculator
First-time homebuyer costs in Connecticut: $13,300 FHA down payment, $11,780 closing costs, 2.14% property tax. See total upfront costs & monthly payments.
Delaware First-Time Homebuyer Calculator
First-time homebuyer costs in Delaware: $11,550 FHA down payment, $11,550 closing costs, 0.57% property tax. See total upfront costs & monthly payments.
Florida First-Time Homebuyer Calculator
First-time homebuyer costs in Florida: $14,000 FHA down payment, $10,000 closing costs, 0.89% property tax. See total upfront costs & monthly payments.
Georgia First-Time Homebuyer Calculator
First-time homebuyer costs in Georgia: $11,200 FHA down payment, $8,960 closing costs, 0.92% property tax. See total upfront costs & monthly payments.
Hawaii First-Time Homebuyer Calculator
First-time homebuyer costs in Hawaii: $29,050 FHA down payment, $20,750 closing costs, 0.28% property tax. See total upfront costs & monthly payments.
Idaho First-Time Homebuyer Calculator
First-time homebuyer costs in Idaho: $14,700 FHA down payment, $9,660 closing costs, 0.69% property tax. See total upfront costs & monthly payments.
Illinois First-Time Homebuyer Calculator
First-time homebuyer costs in Illinois: $8,925 FHA down payment, $7,650 closing costs, 2.27% property tax. See total upfront costs & monthly payments.
Indiana First-Time Homebuyer Calculator
First-time homebuyer costs in Indiana: $7,875 FHA down payment, $5,625 closing costs, 0.85% property tax. See total upfront costs & monthly payments.
Iowa First-Time Homebuyer Calculator
First-time homebuyer costs in Iowa: $7,175 FHA down payment, $5,740 closing costs, 1.57% property tax. See total upfront costs & monthly payments.
Kansas First-Time Homebuyer Calculator
First-time homebuyer costs in Kansas: $7,525 FHA down payment, $5,590 closing costs, 1.41% property tax. See total upfront costs & monthly payments.
Kentucky First-Time Homebuyer Calculator
First-time homebuyer costs in Kentucky: $6,825 FHA down payment, $5,265 closing costs, 0.86% property tax. See total upfront costs & monthly payments.
Louisiana First-Time Homebuyer Calculator
First-time homebuyer costs in Louisiana: $6,825 FHA down payment, $5,460 closing costs, 0.55% property tax. See total upfront costs & monthly payments.
Maine First-Time Homebuyer Calculator
First-time homebuyer costs in Maine: $11,900 FHA down payment, $10,200 closing costs, 1.36% property tax. See total upfront costs & monthly payments.
Maryland First-Time Homebuyer Calculator
First-time homebuyer costs in Maryland: $13,825 FHA down payment, $12,640 closing costs, 1.09% property tax. See total upfront costs & monthly payments.
Massachusetts First-Time Homebuyer Calculator
First-time homebuyer costs in Massachusetts: $20,300 FHA down payment, $17,400 closing costs, 1.23% property tax. See total upfront costs & monthly payments.
Michigan First-Time Homebuyer Calculator
First-time homebuyer costs in Michigan: $8,225 FHA down payment, $6,580 closing costs, 1.54% property tax. See total upfront costs & monthly payments.
Minnesota First-Time Homebuyer Calculator
First-time homebuyer costs in Minnesota: $11,550 FHA down payment, $8,910 closing costs, 1.12% property tax. See total upfront costs & monthly payments.
Mississippi First-Time Homebuyer Calculator
First-time homebuyer costs in Mississippi: $5,775 FHA down payment, $4,290 closing costs, 0.81% property tax. See total upfront costs & monthly payments.
Missouri First-Time Homebuyer Calculator
First-time homebuyer costs in Missouri: $8,225 FHA down payment, $5,875 closing costs, 0.97% property tax. See total upfront costs & monthly payments.
Montana First-Time Homebuyer Calculator
First-time homebuyer costs in Montana: $14,875 FHA down payment, $10,200 closing costs, 0.84% property tax. See total upfront costs & monthly payments.
Nebraska First-Time Homebuyer Calculator
First-time homebuyer costs in Nebraska: $8,400 FHA down payment, $6,480 closing costs, 1.73% property tax. See total upfront costs & monthly payments.
Nevada First-Time Homebuyer Calculator
First-time homebuyer costs in Nevada: $14,700 FHA down payment, $9,660 closing costs, 0.6% property tax. See total upfront costs & monthly payments.
New Hampshire First-Time Homebuyer Calculator
First-time homebuyer costs in New Hampshire: $15,050 FHA down payment, $12,900 closing costs, 2.18% property tax. See total upfront costs & monthly payments.
New Jersey First-Time Homebuyer Calculator
First-time homebuyer costs in New Jersey: $16,450 FHA down payment, $16,450 closing costs, 2.49% property tax. See total upfront costs & monthly payments.
New Mexico First-Time Homebuyer Calculator
First-time homebuyer costs in New Mexico: $9,975 FHA down payment, $7,125 closing costs, 0.8% property tax. See total upfront costs & monthly payments.
New York First-Time Homebuyer Calculator
First-time homebuyer costs in New York: $14,700 FHA down payment, $15,960 closing costs, 1.72% property tax. See total upfront costs & monthly payments.
North Carolina First-Time Homebuyer Calculator
First-time homebuyer costs in North Carolina: $11,025 FHA down payment, $7,875 closing costs, 0.84% property tax. See total upfront costs & monthly payments.
North Dakota First-Time Homebuyer Calculator
First-time homebuyer costs in North Dakota: $8,750 FHA down payment, $6,250 closing costs, 0.98% property tax. See total upfront costs & monthly payments.
Ohio First-Time Homebuyer Calculator
First-time homebuyer costs in Ohio: $7,175 FHA down payment, $5,535 closing costs, 1.56% property tax. See total upfront costs & monthly payments.
Oklahoma First-Time Homebuyer Calculator
First-time homebuyer costs in Oklahoma: $6,825 FHA down payment, $4,875 closing costs, 0.9% property tax. See total upfront costs & monthly payments.
Oregon First-Time Homebuyer Calculator
First-time homebuyer costs in Oregon: $16,800 FHA down payment, $11,520 closing costs, 0.97% property tax. See total upfront costs & monthly payments.
Pennsylvania First-Time Homebuyer Calculator
First-time homebuyer costs in Pennsylvania: $9,275 FHA down payment, $8,480 closing costs, 1.58% property tax. See total upfront costs & monthly payments.
Rhode Island First-Time Homebuyer Calculator
First-time homebuyer costs in Rhode Island: $14,350 FHA down payment, $12,300 closing costs, 1.63% property tax. See total upfront costs & monthly payments.
South Carolina First-Time Homebuyer Calculator
First-time homebuyer costs in South Carolina: $9,800 FHA down payment, $7,560 closing costs, 0.57% property tax. See total upfront costs & monthly payments.
South Dakota First-Time Homebuyer Calculator
First-time homebuyer costs in South Dakota: $9,450 FHA down payment, $7,020 closing costs, 1.31% property tax. See total upfront costs & monthly payments.
Tennessee First-Time Homebuyer Calculator
First-time homebuyer costs in Tennessee: $10,850 FHA down payment, $8,060 closing costs, 0.71% property tax. See total upfront costs & monthly payments.
Texas First-Time Homebuyer Calculator
First-time homebuyer costs in Texas: $10,850 FHA down payment, $7,750 closing costs, 1.8% property tax. See total upfront costs & monthly payments.
Utah First-Time Homebuyer Calculator
First-time homebuyer costs in Utah: $16,450 FHA down payment, $10,810 closing costs, 0.63% property tax. See total upfront costs & monthly payments.
Vermont First-Time Homebuyer Calculator
First-time homebuyer costs in Vermont: $12,250 FHA down payment, $11,200 closing costs, 1.9% property tax. See total upfront costs & monthly payments.
Virginia First-Time Homebuyer Calculator
First-time homebuyer costs in Virginia: $13,300 FHA down payment, $10,260 closing costs, 0.82% property tax. See total upfront costs & monthly payments.
Washington First-Time Homebuyer Calculator
First-time homebuyer costs in Washington: $19,600 FHA down payment, $14,000 closing costs, 1.03% property tax. See total upfront costs & monthly payments.
West Virginia First-Time Homebuyer Calculator
First-time homebuyer costs in West Virginia: $4,725 FHA down payment, $3,780 closing costs, 0.58% property tax. See total upfront costs & monthly payments.
Wisconsin First-Time Homebuyer Calculator
First-time homebuyer costs in Wisconsin: $9,100 FHA down payment, $7,280 closing costs, 1.85% property tax. See total upfront costs & monthly payments.
Wyoming First-Time Homebuyer Calculator
First-time homebuyer costs in Wyoming: $10,850 FHA down payment, $7,130 closing costs, 0.61% property tax. See total upfront costs & monthly payments.
About First-Time Homebuyer Calculators
Calculate total costs for first-time homebuyers by state including down payment, closing costs, PMI, and monthly payments. All calculators are free to use, require no sign-up, and provide instant results. Data is sourced from official government agencies and updated regularly to ensure accuracy.
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.