THE NUMBER. THE ASSUMPTIONS. THE GAPS.
See what your home
could really cost.
A clear starting point for a conventional, fixed-rate mortgage.
Your home & loan
Your monthly picture
$ —
Start with your purchase price,
down payment and rate.
Then see what is calculated, what you supplied and what still needs an answer.
What’s missing?
No unknown silently treated as fact.
THE WHAT-IF LAB
One change. A different future.
Calculate above to compare down payments, rates, loan terms and prices. Each new test starts from your current numbers.
/ month · principal & interest
| Compare | Current | What-if |
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What if I pay extra each month?See interest saved and years gained.
Inspect the annual balances
| Year | Scheduled | With extra |
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Starts with a new loan at your entered fixed rate. Extra money goes to principal from the first payment. Taxes, insurance, fees, servicer rounding, prepayment charges and changes to PMI are excluded. Confirm allocation with your servicer.
YOUR NEXT MOVE
A clearer read on the numbers.
This explanation follows the calculation and the inputs you supplied.
Ask the Lens
Guided mode
Give me a quote or test a change. I’ll show what I understood before updating your numbers.
Guided mode recognizes supported mortgage inputs; it is not a general AI chat or live web search.
When enabled, Send processes your message and current scenario with your configured local model. This preview does not save the conversation.
Calculate your scenario above, then add a quote or ask a question here.
Review the proposed changes
Calculate a scenario to start. Your guided conversation stays in this page.
Free email accounts, saved homes, live property lookup and report downloads are still in development.
How this calculation works
The mortgage payment uses fixed-rate amortization: principal × monthly rate ÷ (1 − (1 + monthly rate) raised to the negative number of payments). At a 0% rate, principal is divided evenly across payments.
Annual taxes and homeowners insurance are divided by 12. Monthly mortgage insurance and HOA dues are added as entered. Calculations retain full precision; displayed amounts are rounded, so displayed rows may differ slightly from their sum.
This preview supports conventional fixed-rate scenarios. It does not calculate lender qualification, FHA/VA/USDA fees, closing costs, prepaid escrow, tax reassessment, flood insurance, maintenance, utilities or adjustable-rate changes. No property record or rate is marked verified.
For lender-specific figures, use the CFPB Loan Estimate guide. See how mortgage rates vary.
UNDERSTAND YOUR ESTIMATE
Know what goes into the payment.
Principal and interest are only part of the picture. Taxes, insurance and dues can change what you budget each month.