Frequently Asked Questions

Is Home Kruncher free?

Yes, completely. There are no subscriptions, hidden fees, or paywalls. Every feature is available to every visitor.

Do I need to create an account?

No. Home Kruncher requires no sign-up, no email, and no personal information. Just open it and start calculating.

How accurate are the estimates?

Home Kruncher uses standard mortgage formulas and real-world cost benchmarks. Results are estimates for planning purposes and should not replace advice from a licensed lender, real estate agent, or financial advisor. Actual rates, fees, and costs will vary by lender and location.

What loan types does it support?

Conventional, FHA, VA, and USDA loans, with PMI calculations, seller concession limits, FHA upfront MIP, the VA funding fee, and the USDA upfront guarantee fee and annual fee automatically applied based on your selection.

Can it estimate the cost of buying a fixer-upper?

Yes. The Fixer-Upper tab lets you budget renovation and repair costs such as HVAC, roof, kitchen, and structural work, then adds them to your total cash to close so you can see the real cost of buying a home that needs work.

How do mortgage points work?

One mortgage point equals 1% of your loan amount paid upfront to lower your interest rate, typically by 0.125% to 0.25% per point. Use the Discount / Lender Credit field in the Mortgage tab to model your break-even: how many months until the monthly savings offset what you paid upfront.

Can I use it for investment properties?

Yes. The ROI Analysis tab lets you model rental income, vacancy rates, management fees, and cash-on-cash return for any property.

Does it store my data?

No. All calculations happen locally in your browser. Nothing is transmitted to any server. When you close the tab, your session is gone.

Who built this?

Home Kruncher was designed and built as an independent project to make real estate math accessible to everyone, not just finance professionals.