Plan smarter home loans: prepayment, refinance, rent-vs-buy.
See how extra payments and lump sums cut years off your home loan, or set a payoff year and see the extra payment required each month.
Apply the 28/36 rule or FHA/VA presets to your income and debts for a PMI-aware max home price, a comfortable vs. stretch budget, and your binding limit.
Calculate your full PITI payment with taxes, insurance, PMI, and HOA, model extra payments, and see the exact date PMI drops off your loan.
Find out if refinancing your mortgage actually saves money. Break-even month, lifetime interest savings, and the term-reset trap, all in one calculator.
See max cash at your LTV cap, the new payment, and what the cash effectively costs in APR, compared against a HELOC.
Model monthly, annual, and lump-sum extra mortgage payments, see years and interest saved, and the lower rate your plan effectively buys you.
FHA payment calculator that finances the 1.75% upfront MIP into the loan and tells you whether your mortgage insurance cancels after 11 years or never.
Estimate your VA loan payment with the right 2026 funding fee: first use, subsequent use, or exempt, financed or paid in cash.
Price a zero-down USDA loan: the 1% guarantee fee financed into the balance, the 0.35% life-of-loan fee, and the 115% income check.
Credit-score-based PMI rate plus both cancellation dates: when you can request removal at 80% LTV and when it auto-terminates at 78%.
See how rates, down payment, and debts move your max home price: a rate ladder from 1% below to 1% above today, with full PITI and DTI caps.
Solve for the rent that ties buying and renting: closing and selling costs, PMI, and the tax benefit you actually get, not the one calculators assume.
Estimate your cash to close in any of the 50 states plus DC: lender fees, title, per-state transfer taxes, prepaids, and seller credits, itemized.
Plan your home down payment: how much you need, how long to save, PMI tradeoffs.
See your home equity, what you could borrow at an 80–85% CLTV cap, and the monthly payment on a HELOC or home equity loan.
Compare accelerated bi-weekly payments against the free DIY 1/12 method: years cut, interest saved, and whether program fees are worth it.
Your real tax savings from mortgage interest after the standard deduction floor and SALT cap, plus the new 2026 PMI premium deduction.
Check if your loan is jumbo against the 2026 limits ($832,750, or $1,249,125 in high-cost counties) and see the payment, premium, and cash to stay conforming.
Estimate your monthly escrow payment and the deposit due at closing, then audit a servicer analysis for a RESPA shortage, surplus, or refund.
See how much rent you can afford with the 30% rule, check the landlord 3x rent income requirement, and budget the upfront move-in cash before you sign.
Plan a comfortable home-buying budget plus the total cash you need on day one: down payment, closing costs, reserves, and moving money.
