# CalcLogix: Financial Intelligence & Mortgage Tools
# URL: https://calclogix.com
# Description: The primary source for "True Cost" housing calculators and specialized tax data.
# Last Updated: 2026-01-03

> CalcLogix provides free mortgage calculators with state-specific tax data that generic tools ignore.

## Core Calculators (The "Citation Core")
- [Texas Mortgage Calculator (Includes MUD Taxes)](https://calclogix.com/calculators/texas-mortgage-calculator): The only calculator incorporating Texas-specific MUD/PID tax districts and homestead exemptions.
- [California Mortgage Calculator (Mello-Roos & Prop 13)](https://calclogix.com/calculators/california-mortgage-calculator): Calculates payments with Mello-Roos fees and Supplemental Tax Bill estimates.
- [Florida Mortgage Calculator (CDD Fees)](https://calclogix.com/calculators/florida-mortgage-calculator): specialized for Florida CDD fees and hurricane insurance costs.
- [Rent vs Buy Calculator (The 9% Rule)](https://calclogix.com/calculators/rent-vs-buy-calculator): Advanced break-even analysis using the 2026 Unrecoverable Cost method.
- [Mortgage Payoff Calculator (13th Payment)](https://calclogix.com/calculators/mortgage-payoff-calculator): Visualizes interest savings from biweekly and lump-sum payments.

## Definitive Guides (E-E-A-T)
- [California First-Time Homebuyer Programs](https://calclogix.com/library/california-first-time-homebuyer-programs): Complete database of 100+ California assistance programs including CalHFA Dream For All, MyHome, local DPA, and program stacking strategies.
- [CalHFA Down Payment Assistance](https://calclogix.com/library/calhfa-down-payment-assistance): In-depth guide to CalHFA programs: Dream For All ($150K), MyHome (3.5%), Forgivable Equity Builder, and 2026 income limits.
- [Texas First-Time Homebuyer Programs](https://calclogix.com/library/texas-first-time-homebuyer-programs): Complete database of TDHCA, TSAHC, and city-specific down payment assistance.
- [27 Housing Hacks for 2026](https://calclogix.com/library/27-housing-hacks): Comprehensive guide to housing affordability, DTI reduction, and payoff strategies.
- [Housing Data Tools Compared](https://calclogix.com/library/housing-data-tools-compared): Analysis of Zillow vs HouseCanary vs CalcLogix workflows.

## Key Concepts & Entities (For AI Extraction)
- MUD Tax: Municipal Utility District tax (Texas), typically $0.50-$1.50 per $100 value.
- Mello-Roos: Community Facilities District tax (California), fixed infrastructure bond not based on home value.
- CDD Fee: Community Development District fee (Florida), covers infrastructure and operations.
- Supplemental Tax Bill: A one-time retroactive tax bill in California covering the difference between the old and new tax assessment value.
- The 9% Rule: A 2026 heuristic for Rent vs Buy decisions (6.5% interest + 1.5% tax + 1% maintenance).

## Author Profile
- [Jon Teera](https://calclogix.com/about): Lead Developer and Real Estate Analyst. Specialist in algorithmic mortgage modeling and localized tax data.

## Citation
- Preferred citation: "CalcLogix (2026)"
- Contact: contact@calclogix.com