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Free Mortgage Calculators

Six tools covering every number a homebuyer needs — from first estimate to closing day.

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Monthly Payment Calculator
Your exact PITI monthly payment — principal, interest, taxes, and insurance.
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Affordability Calculator
Maximum home price using the 28/36 DTI rule based on your income and debts.
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Refinance Break-Even
How many months until your payment savings exceed closing costs.
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PMI Removal Calculator
The exact month you reach 20% equity and can cancel private mortgage insurance.
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Closing Cost Estimator
Itemized upfront costs beyond your down payment, with total cash needed.
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Amortization Schedule
Full year-by-year principal vs. interest breakdown for any mortgage.
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Running your numbers before speaking to a lender gives you leverage: you know your budget, true monthly cost, and the right questions to ask. Our calculators use the same math lenders use.