Mortgage calculators and guides
Model the full cost of buying and financing a home, then understand the assumptions behind each result.
Calculators
Home Affordability
Estimate an affordable home price using income, debts, housing costs, and target DTI.
Open →Loan / Mortgage Payment
Estimate payment, total interest, total cost, and amortization schedule.
Open →Mortgage Closing Costs
Estimate buyer closing costs, credits, prepaids, and total cash needed at closing.
Open →PMI
Estimate monthly private mortgage insurance and when scheduled payments may reach 80% LTV.
Open →Mortgage Points
Compare mortgage payments with discount points and estimate the break-even month.
Open →Extra Mortgage Payment
See how extra monthly, annual, or one-time payments reduce interest and shorten your mortgage payoff timeline.
Open →Refinance Break-Even
Compare current and new mortgage payments, closing costs, break-even timing, and whether refinancing is worth it.
Open →Rent vs. Buy
Compare the estimated net cost of renting versus buying a home over a chosen time horizon.
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Guides
How to Buy a Home: A First-Time Buyer's Guide
A step-by-step guide to buying your first home — from checking your credit and saving a down payment to getting pre-approved, making an offer, and closing.
Open →Mortgage Payment Explained: What Goes Into PITI
Break down what's inside every mortgage payment — principal, interest, taxes, insurance, and PMI — and learn how each component affects your monthly cost.
Open →Closing Costs Explained
Understand lender fees, title charges, prepaids, credits, and how much cash a home buyer may need at closing.
Open →PMI Explained: When It Drops Off
Understand private mortgage insurance — why lenders require it, how much it costs, and the exact conditions for removing PMI from your loan.
Open →Are Mortgage Points Worth It?
Learn how discount points work, calculate a break-even period, and compare points with lender credits.
Open →Refinancing Your Mortgage: When It's Actually Worth It
Learn how to calculate your refinance break-even point, compare rate-and-term vs. cash-out options, and decide if refinancing makes financial sense for your situation.
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