Home Affordability
Income, debts, rate and down payment in; the lender-style ceiling price out, with the PMI flag and the honest gap to comfortable.
BUYING MATH
What the house really costs before you sign. Every number below shows its work.
Closing-Cost Decoder
Loan amount and county transfer-tax tier in; every line item, the cash-to-close, and whether your seller credit can actually be used.
PMI Calculator
Down payment percent in; the PMI band, the month it can be removed at 80% and drops off at 78%, and the pay-it-or-avoid-it math.
Rate Comparison
Two lender offers side by side: note rate vs APR, what the points really buy, and the month the cheaper-rate offer breaks even.
Refinance Break-Even
Current loan vs a new rate and its closing costs; the months to recoup, plus the term-reset interest the monthly savings hide.
Extra-Payment Lab
A monthly extra principal amount in; the interest saved, the months cut, and the honest comparison to what that cash could earn elsewhere.
ARM vs Fixed
A fixed rate against an adjustable one with its caps; the worst-case payment path year by year and what each costs over your stay.
DTI Decoder
Front-end and back-end debt-to-income ratios against the 28/36 bands, and the exact dollars between you and a yes.
Debt Payoff
Snowball against avalanche on the same budget, side by side: payoff month for every debt and the total interest each method costs.
W-4 Withholding Estimator
Pay, filing status and current withholding in; the W-4 step values that hit your target refund and the over/under-withholding band.