Monthly Payment Estimator
Get a full picture of your monthly cost: principal, interest, taxes, insurance and HOA. Pick your state and we'll pre-fill realistic tax + insurance estimates so you can focus on the loan numbers.
Loan details
Taxes, insurance, HOA
Payment breakdown
Balance over time
Refinance Savings
If you refinance to today's GSM rate, how much could you save? Toggle on the payoff accelerator to see how fast you could be mortgage-free if you put your monthly savings back toward principal.
Your current loan
Your new GSM loan
Loan balance over time
How Much House Can You Afford?
We use the standard debt-to-income approach lenders look at. Enter your income and monthly debts; we'll back-solve the max home price that keeps your housing-plus-debt payment within a healthy DTI.
Your finances
Loan + tax assumptions
How your income would be allocated
Rent vs. Buy
Renting is cheaper in month one, but buying builds equity. We compare cumulative net cost over time, accounting for appreciation, rent increases, and what you'd net if you sold.
Your situation
If you buy
Assumptions
Cumulative net cost
Pay Off Your Mortgage Faster
Adding a small amount each month, or switching to biweekly payments, can knock years off your loan and save tens of thousands in interest. See exactly how much.
Your current loan
Strategy
Balance over time
Closing Cost Estimator
Closing usually runs 2–5% of the loan. Here's a state-aware breakdown of what to expect, including transfer tax and prepaid items like the first year of insurance.
Loan info
Itemized breakdown
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