U.S. homebuying tools
Mortgage numbers, explained and calculated
Calculate payments, closing cash, points, and loan schedules with plain definitions and official source links. Every result comes from the numbers you enter.
Mortgage payment calculator
Estimate principal, interest, tax, insurance, PMI, and HOA.
Open calculatorAmortization schedule
See how each payment splits between principal and interest by month or year.
Open calculatorClosing costs
Estimate down payment, closing costs, deposits, credits, and cash to close.
Open calculator15-year vs. 30-year
Compare monthly payment, total interest, and payoff time on the same balance.
Open calculatorPoints break-even
Compare upfront points, payment savings, and the simple break-even month.
Open calculatorPITI, PMI, and escrow
Separate principal, interest, tax, insurance, and the PMI and HOA amounts you enter.
Open calculatorRefinance calculator
Compare current and new payments, costs, and a simple break-even month.
Open calculatorWhat these tools do
Show the formula result
Standard fixed-rate formulas calculate principal and interest. Optional costs are included only when entered.
Keep sources visible
Definitions and common ranges link to CFPB and other first-party sources for checking.
Provide information only
The site does not recommend a loan, lender, lock time, or home purchase.