Mortgage math for your situation.
Not another generic mortgage calculator. Four focused tools that answer the questions buyers actually get stuck on.
FHA vs. Conventional
Down payment, upfront and annual MIP vs. PMI, monthly payment and total cost side by side, plus when mortgage insurance drops off.
HOA Fee Impact
See how much a $400/month HOA fee shrinks the home price you qualify for, with a live chart from $0 to $1,000.
15 vs. 30-Year
Monthly payments, total interest, interest saved, balance and interest charts, and a full yearly amortization table.
Amortization Schedule
Full month-by-month or yearly schedule with charts, extra-payment savings, payoff date, and CSV download.
How these tools work
Every calculator updates instantly as you type and runs entirely in your browser. Nothing is stored or sent anywhere. Payments use the standard amortization formula. FHA premiums and loan limits come from official HUD and FHFA publications, listed on the sources page.
Disclaimer: These calculators give estimates for education only and are not financial, legal or tax advice. Interest rates shown are examples, not offers. PMI figures are rough estimates. Talk to a licensed loan officer for real quotes.