Rent vs. Buy Calculator


Helping You Make The Best Decision

Our Rent vs. Buy Calculator will help you decide the best option for you−whether it’s renting or purchasing a home.

Our Rent vs Buy Calculator will help you figure out how much you can afford in a mortgage and compare it to what you have been paying for in rent.


  • Mortgage interest rates quoted assumes a FICO score of 760
  • Maximum loan-to-value ratio of 80% on a primary residence
  • Interest rates and Annual Percentage Rates (APR) are assumptions based on a purchase transaction.
  • Interest rate assumptions are based on a loan amount of $300,000
  • The mortgage interest rate, Annual Percentage Rate (APR) and monthly mortgage payment may be different based on the specific terms, verification of information, credit history, property type, and other contributing factors as determined by Truvaya.
  • Subject to Truvaya’s underwriting approval, not all applications are approved.
  • Rate assumptions are for the state of California.
  • Payments shown are principal and interest payment only and do not include taxes and insurance.
  • Mortgage Rates are subject to change daily without notice.
  • Restriction may apply
  • Private Mortgage Insurance has not been added into the payments disclosed. FHA, VA and conventional loans with a loan to value ratio greater than 80% will require Private Mortgage Insurance (PMI), unless priced as a no PMI option.
  • Lender Fee $995
  • Single Family Residence
  • Rate assumptions are based on 30 day rate locks.
  • Rate assumptions are based on January 1, 2019 pricing.