Mortgage Calculator
The most advanced free mortgage calculator.
Estimate payments, taxes, insurance, and PMI.
Amortization
See every payment breakdown.
Principal vs interest, month by month.
Mortgage Payoff
Pay off your home faster.
See how extra payments save you money.
Refinance
Should you refinance?
Compare rates and calculate your break-even point.
Rent vs Buy
Which is right for you?
Compare the true cost of renting vs owning.
VA Mortgage
Built for veterans.
Calculate VA loan payments with funding fees.
State-Specific Calculators
Calculators tailored for local taxes, fees, and programs.
California Mortgage
Navigate the Golden State.
Mello-Roos, Prop 13 taxes, and FAIR Plan insurance.
Florida Mortgage
The Sunshine State's true costs.
Insurance crisis, flood zones, and CDD fees included.
Texas Mortgage
Built for the Lone Star State.
Property taxes, MUD districts, and homestead exemptions.
Texas MUD Tax
The hidden cost of new homes.
Calculate MUD taxes before you buy in Houston or Austin.
Interactive Tools
Smart tools to help you find the right programs and make better decisions.
Free Homebuyer Resources
Guides, downloads, and smart housing tips to help you plan, qualify, and save.
Market Insights
Expert analysis and guides to help you make informed decisions.
California Mortgage Relief Program: Complete Guide 2026
CalAssist grants up to $100K, AB 238 wildfire forbearance, federal options, CA Homeowner Bill of Rights & scam protection.
California VA Loans in 2026: The Complete Guide for Veterans
Federal VA + CalVet, county limits up to $1.25M, funding fee schedules, disabled vet property tax exemptions & real payment comparisons.
First-Time Homebuyer Guide: San Diego 2026
SDHC programs up to $135K, VA loan strategies, Mello-Roos warnings & neighborhood-level pricing.
First-Time Homebuyer Guide: Los Angeles 2026
DPA programs up to $161K, real cost breakdowns by neighborhood, wildfire insurance & calculator walkthroughs.
First-Time Homebuyer Guide: San Francisco Bay Area 2026
DALP up to $500K, 9-county market data, Mello-Roos & transfer tax warnings, and calculator walkthroughs.
True Cost of Buying a Home in All 58 California Counties
County-by-county breakdown of mortgage, taxes, insurance & PMI. The $7,600/month gap between cheapest and most expensive.
California Closing Costs Guide
Buyers pay 2-5%, sellers pay 6-10%. NorCal vs SoCal customs, 26+ city transfer taxes & CalHFA programs.
California Property Tax Guide
Prop 13, Prop 19, Mello-Roos, county rates, exemptions & how to lower your bill.
California First-Time Homebuyer Programs
100+ programs with up to $500K in combined assistance. State, local, federal & private.
CalHFA Down Payment Assistance
Up to $150,000 for California first-time buyers through Dream For All and MyHome.
27 Housing Hacks:
Rent, Buy, or Pay Off Faster
27 proven tactics with real numbers and calculators to prove it.
Housing Data Tools Compared
Zillow vs HouseCanary vs CalcLogix—which tool fits your workflow?
Texas First-Time Homebuyer Programs
75+ programs offering up to $125,000 in down payment assistance.
How to Stack Texas DPA Programs
Turn $15,000 in assistance into $50,000+ by combining the right programs.
How Amortization Works
Why 85% of your early payments go to interest—and what you can do about it.
Mortgage Rates Guide
How rates are determined and strategies to secure the best one.
Housing Inventory Trends
2025 Year-End Recap & 2026 Forecast
