Mortgage & Home Financing
30-year fixed, ARM, PMI cancellation, amortization exports, refinance breakeven, and home affordability.
Featured Mortgage Tools (25)
US Fixed Mortgage Calculator
30-year & 15-year fixed mortgage with property taxes, home insurance, and PMI breakdown.
UK Repayment & Stamp Duty (SDLT) Calculator
UK standard capital repayment & interest-only mortgage with Stamp Duty Land Tax (SDLT) tiers.
ARM Adjustable Rate Mortgage Calculator
5/1 and 7/1 ARM rate adjustment simulator with interest rate reset caps.
PMI Removal & 80% LTV Date Calculator
Calculates exact date loan-to-value drops to 80% and 78% for automatic PMI cancellation.
Mortgage Payoff Accelerator
Extra monthly, yearly, or lump-sum principal payments payoff booster.
Bi-Weekly Mortgage Savings Calculator
Bi-weekly vs monthly payment 13th-payment annual savings simulator.
Mortgage Refinance Break-Even Calculator
Calculates months to break even on closing costs with lower interest rate.
Rent vs Buy 30-Year Net Worth Calculator
30-year net worth comparison of homeownership vs renting and investing the difference.
Maximum Home Affordability Calculator
Front-end (28%) and back-end (36%-43%) DTI maximum purchase price.
Amortization Schedule Exporter
Full year-by-year & month-by-month principal/interest schedule with Excel (.xlsx) export.
FHA Loan & Upfront MIP Calculator
FHA loan with 3.5% down, 1.75% Upfront MIP, and 0.55% Annual MIP.
VA Home Loan & Funding Fee Calculator
0% down VA loan with tiered VA Funding Fee percentage estimator.
Reverse Mortgage (HECM) Calculator
Home Equity Conversion Mortgage (HECM) principal limit & line of credit payout.
HELOC Draw & Repayment Calculator
Home Equity Line of Credit draw period interest-only vs 20-year repayment phase.
Mortgage Discount Points Calculator
Discount points cost vs monthly interest rate savings breakeven.
Jumbo Mortgage Loan Calculator
Non-conforming jumbo mortgage interest and down-payment estimator.
Interest-Only Mortgage Calculator
Interest-only initial period vs full amortization balloon payment.
Property Tax & Escrow Estimator
Assessed home value × millage rate annual and monthly tax escrow.
Homeowners Insurance Premium Estimator
Estimated annual hazard and disaster insurance by home replacement value.
True Mortgage APR Calculator
True Annual Percentage Rate factoring lender fees, points, and closing costs.
80-10-10 Piggyback Second Mortgage
Piggyback 80-10-10 loan structure eliminating private mortgage insurance.
Down Payment Savings Goal Planner
Monthly savings required to reach 5%, 10%, or 20% down payment target.
Mortgage Recast Savings Calculator
Re-amortization of remaining balance after large lump-sum principal reduction.
Title & Closing Settlement Fee Estimator
Average closing settlement, title search, insurance, and recording fees.
Commercial Real Estate Mortgage Calculator
5-year/10-year balloon commercial real estate mortgage with 25-yr amortization.