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State Tax Aware
See typical effective property tax rates for your state. Override anytime for your county or city.
PMI & MIP Built-In
Model Conventional, FHA, and VA loans—auto PMI drop estimate and FHA/VA specifics included.
Extra Payments = Savings
Add biweekly or extra principal to see how much interest you can cut and when you’ll be debt-free.
Try the Mortgage Calculator
Estimate monthly payment with price, down payment, rate, and your state tax. Include insurance, HOA, and PMI/MIP.
Open the CalculatorProperty Taxes by State
Jump to your state’s guide and pre-load its typical property tax rate in the calculator.
Latest Mortgage Guides
How Much House Can I Afford? (DTI Examples)
Crunch the numbers with real DTI scenarios and down-payment tips.
PMI: How It Works and When It Drops Off
See LTV timelines and how extra principal speeds up PMI removal.
Closing Costs by State: What Buyers Actually Pay
Compare typical buyer fees and how to budget without surprises.
Quick Answers
Do you include PMI or FHA/VA specifics?
Yes—Conventional PMI until ~78% LTV. FHA adds upfront/annual MIP; VA has a funding fee and no monthly PMI.
Can I export the amortization schedule?
On the calculator page, click Export amortization (CSV) to download your full schedule.
Where can I learn more about mortgages?
Visit the CFPB mortgage resources for consumer education.