US Mortgage & Home-Buying Planner
See the full monthly cost of a home, plan cash to close, compare saved scenarios and explore how extra payments change your mortgage.
USD · Editable assumptions · Local calculations · No account required
- 1Start with a realistic example
- 2Adjust costs and assumptions
- 3Compare scenarios and export
Build your scenario
Examples illustrate the calculation; rates are not live market offers. Changes update the results immediately.
Your financial picture
Cost breakdown
What if interest rates change?
All other inputs stay the same. This illustrates sensitivity, not future rates or prices.
Compare your options
Keep up to four snapshots. Select a saved name to load its inputs. Download a project to preserve your work.
Monthly amortization and housing costs
Displayed dollars are rounded. CSV exports retain cents and include your input assumptions.
How to use US Mortgage & Home-Buying Planner
- Choose an example, then replace its prices, rates and costs with your own estimates or written quotes.
- Explore the cost breakdown and sensitivity table. Check every assumption before comparing results.
- Name and save a scenario. Change the inputs and save another to compare up to four alternatives.
- Download your editable project or export the complete schedule. Open the downloaded HTML report and use your browser’s print dialog to save a PDF. The report contains all schedule rows and saved scenario assumptions.
Method and limitations
Fixed-rate loans up to 40 years. Taxes, HOA and insurance stay constant. Mortgage insurance duration is user-selected. This does not determine eligibility or automatically calculate lender cancellation rules.
Loan interest is calculated monthly on the remaining balance. Extra principal reduces future interest and shortens the loan; actual lenders may use daily accrual and different rounding. Dollar outputs are estimates. Calculations run in your browser; site advertising and analytics are covered by our privacy information.
Further reading
Related: loan repayment calculator · rent vs buy planner · household budget planner
Using US Mortgage & Home-Buying Planner
See the full monthly cost of a home, plan cash to close, compare saved scenarios and explore how extra payments change your mortgage.
- Start with a realistic example
- Adjust costs and assumptions
- Compare scenarios and export
Example
Use a preset, replace the assumptions and save two scenarios to compare.
Questions & answers
Are the rates current offers?
No. All example rates and prices are illustrative. Enter written lender quotes and local costs.
Can I save my scenarios?
Yes. Download a project JSON to preserve inputs and up to four scenarios. Nothing is automatically stored after the page closes.
What is included in the calculation?
Fixed-rate loans up to 40 years. Taxes, HOA and insurance stay constant. Mortgage insurance duration is user-selected. This does not determine eligibility or automatically calculate lender cancellation rules.
Can I export the results?
Download the full schedule as CSV, save an editable project, or print a report using the browser PDF option.
Related tools
A useful next step for your task.
Everyday CalculatorsLoan Repayment CalculatorEstimate a fixed-rate loan payment and review a monthly amortization schedule.
Everyday CalculatorsRent vs Buy PlannerCompare renting and buying over time with home equity, selling costs, investments and adjustable long-term assumptions.
Everyday CalculatorsHousehold Budget PlannerCompare monthly household income with grouped expenses and a savings target.
Everyday Calculators2026 Tax Refund EstimatorEstimate your 2026 federal income tax refund or balance due with the new IRS brackets, standard deduction, tips, overtime, car-loan and senior…
Help improve this tool
Report a problem or suggest an improvement
Describe the issue without pasting private tool input. Feedback goes to our admin inbox.