Actual Mortgage Cost Calculator
Know what you'll ACTUALLY pay before buying a home — principal, interest, taxes, insurance, PMI, HOA, utilities, and maintenance, right on the listing page.
Know what you'll ACTUALLY pay before buying a home — principal, interest, taxes, insurance, PMI, HOA, utilities, and maintenance, right on the listing page.
No account, no setup. Click it on a listing you're already looking at.
Shop like normal on Zillow, Realtor.com, Redfin, Homes.com, or Trulia.
It reads the price, address, beds/baths, HOA, tax, and insurance off the page — you fill in your loan terms.
Full monthly breakdown, cash needed at closing, affordability check — instantly.
Not just the listing price. What it actually costs you every month to own it.
Principal, interest, property tax, homeowners insurance, PMI, HOA, utilities, and maintenance — all in one number, not scattered across a closing disclosure.
Down payment, closing costs, inspection, appraisal, earnest money, moving costs, and immediate repairs — totaled before you offer.
Enter your income and it scores the home honestly against standard debt-to-income guidelines, so you know before you offer whether it's a stretch.
Flags PMI you could avoid, high tax/insurance areas, and costs that run over what a lender would typically approve.
See how an extra $50–$500/month changes your interest paid and payoff date, plus a year-by-year equity timeline.
Compare against a comparable rental nearby — monthly, annual, and five-year difference, cash required included.
Every home you've looked up is saved locally, so you can pull up two and compare them directly.
A clean summary you can save or share, so the numbers don't just live in a browser tab.
A quick look at the calculator, the results screen, and the extra payment & timeline view.
Detected from the listing — you fill in loan terms and extras
Full monthly cost breakdown, cash needed, and smart insights
Extra payment calculator, ownership timeline, and rent vs. buy
Move-in costs, income, and budget — used for the affordability score
Try it free. Upgrade only if you're actively house hunting.