Mortgage Hub
Plan your home purchase with our accurate, bank-grade US mortgage calculators and expert budgeting guides. 100% free with no sign-ups.
Understanding the Home Purchase Process
Buying a home is a major milestone, but it requires careful budgeting to ensure you remain financially secure. In the United States, lenders evaluate your credit profile, debt-to-income (DTI) ratio, and down payment savings to determine your borrowing limit. Our Mortgage Hub provides the calculations and educational resources you need to navigate the home purchase process.
Use the calculators below to estimate monthly payments (PITI), check home affordability under the 28/36 rule, compare FHA vs Conventional loan costs, and plan refinance break-even timelines.
Mortgage & Home Calculators
Mortgage Calculator
Estimate your monthly home mortgage payments, principal, interest, taxes, and amortization.
Mortgage Affordability Calculator
Find out how much house you can afford based on income, monthly debts, and down payments.
Down Payment Calculator
Calculate target down payment amounts, review conventional limits, and estimate private mortgage insurance (PMI).
Refinance Calculator
Estimate monthly and lifetime savings from refinancing your current mortgage to a lower rate.
Property Tax Calculator
Calculate property tax totals using assessed values, tax rates, or mill rates, with standard exemptions.
Home Equity Calculator
Estimate your home equity and calculate borrowing limits for Home Equity Lines of Credit (HELOC).
Closing Cost Calculator
Estimate total buyer and seller closing costs associated with home purchases.
Rental Property ROI Calculator
Calculate cash flow, cap rate, cash-on-cash return, and net ROI for real estate investments.
Mortgage & Home Buying Guides
How Much House Can I Afford in 2026?
Calculate your home purchase budget under 2026 interest rates. Learn the 28/36 rule and DTI requirements.
FHA vs Conventional Loans: Which is Best?
Compare FHA and Conventional mortgages, credit score limits, down payment rules, and PMI vs MIP costs.
Understanding Mortgage Rates: How They Are Set
Discover how US mortgage rates are set by bond yields, inflation, and personal credit scores.
Mortgage APR Explained: Interest vs Fees
Learn the difference between interest rates and the Annual Percentage Rate (APR) to compare lenders.