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Every result is backed by documented formulas and cited data sources, and each calculator shows when it was last reviewed. See how our math works and who builds these tools.
Documented formulas
Expand "Show Me the Math" on any resultCited data sources
Freddie Mac PMMS, FHFA, HUD, VA tablesIndependent
Not a lender — no leads sold, everDated reviews
"Last updated" shown on every calculatorBuying a Home
Starting your homeownership journey
How Much House Can I Afford?
Calculate your max home price based on income, debts, and down payment.
Down Payment Strategy
Compare different down payment amounts and see PMI costs.
Rent vs Buy Analysis
Full comparison including a scenario range, not a single path.
DTI Calculator
Check your debt-to-income ratio — the #1 number lenders care about.
Closing Cost Estimator
Estimate your total closing costs and cash needed at the table.
PMI Calculator
See your PMI cost and when it drops off based on credit score.
FHA Loan Calculator
Calculate your FHA payment with MIP and compare against typical FHA guidelines.
VA Loan Calculator
$0 down, no PMI — calculate your VA loan payment and funding fee.
Current Homeowners
Already own? Optimize your mortgage
True Monthly Cost
See your real monthly payment including PITI, HOA, and PMI.
Refinance Break-Even
Compare your current loan vs refinancing.
Cash-Out Refinance
Understand the true cost of pulling cash from your home.
Recast vs Refinance
Compare lump-sum recast, refinance, and simple prepayment.
Amortization Schedule
See every payment broken down month by month.
Rate & Structure
Choosing the right loan structure
Best Loan for My Timeline
Compare fixed, points, ARM, and 15-year options — with ARM rate-path Monte Carlo — for how long you'll stay.
Rate Sensitivity
See how rate changes affect your payment and total cost.
Payoff Strategy
Pay off faster or build wealth?
Pay Off Faster
Extra payments, lump sums, and biweekly strategies — all in one tool.
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What's your situation?
I'm looking to buy
First-time or repeat buyer
I already own a home
Refinance, pay off faster, or tap equity
I'm comparing loan options
ARM vs fixed, points, rate analysis
I want to pay off faster
Extra payments, lump sums, biweekly
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