Mortgage Calculators, Guides & Home Financing Tools

Already into your mortgage? See exactly how extra monthly payments, lump sums, or biweekly payments cut years off and save thousands.

Compare side-by-side — monthly payment difference, total interest paid, and which loan saves more over time.

See your exact monthly payment with PMI included, and exactly when PMI drops off your loan.

Know your true max budget before you start shopping. Based on income, debts, down payment, and current rates.

Estimate every closing fee before you make an offer — lender, title, taxes, and prepaids, with accurate state-specific rules for NJ, NY, and CT plus a national estimate for any other state.

Real tiered Realty Transfer Fee brackets and the 2025 Graduated Percent Fee (mansion tax) — not a flat estimate.

See your exact payment on a 15-year loan and compare total interest saved vs a 30-year mortgage.

Calculate your front-end and back-end debt-to-income ratios instantly, and find your maximum qualifying home payment.

Generate a full month-by-month schedule — see exactly how much goes to principal vs interest, and your loan balance over time.

See exactly how much you save by switching to biweekly payments — years cut off your loan and your new payoff date.

See your exact monthly payment including FHA mortgage insurance premium (MIP), taxes, and insurance.

Built for first-time buyers — see your full monthly payment, how much house you can afford, and available buyer programs.

Find down payment assistance programs, grants, and HUD-approved housing counselors in your state — free finder linking to official HUD resources.

See exactly when buying discount points pays off — customize your rate reduction, point cost, and how long you'll keep the loan.

Find out exactly how long it takes to break even on a refinance — monthly savings, closing costs, and your breakeven month.

Compare the true 5, 10, and 15-year cost of renting vs buying a home in your situation.

Calculate your USDA loan payment including the 1% upfront guarantee fee and 0.35% annual fee — zero down payment.

See your available credit line based on your home value and mortgage balance, plus draw-period and repayment-period payments.

See your exact monthly payment with VA funding fee included — no down payment, no PMI required.

Building instead of buying? See your down payment, construction-phase interest, and permanent monthly payment.