https://mortgageplainly.pages.dev/Mortgage calculators that show their formulas: payment with taxes and PMI, amortization, affordability, refinance break-even, extra payments and rent vs buy.en-ushttps://mortgageplainly.pages.dev/tools/rent-vs-buy-calculator/https://mortgageplainly.pages.dev/tools/rent-vs-buy-calculator/Wed, 11 Nov 2026 09:00:00 -0700Compare renting and buying over the years you plan to stay, counting mortgage, taxes, upkeep, selling costs, rent growth and returns you set.https://mortgageplainly.pages.dev/tools/refinance-break-even-calculator/https://mortgageplainly.pages.dev/tools/refinance-break-even-calculator/Wed, 11 Nov 2026 09:00:00 -0700Find how many months a mortgage refinance takes to pay back its closing costs, and compare total interest left on your current loan against the new one.https://mortgageplainly.pages.dev/tools/mortgage-payment-calculator/https://mortgageplainly.pages.dev/tools/mortgage-payment-calculator/Wed, 11 Nov 2026 09:00:00 -0700Estimate your full monthly mortgage payment: principal and interest plus property tax, homeowners insurance, PMI or FHA MIP, VA funding fee and HOA dues.https://mortgageplainly.pages.dev/tools/home-affordability-calculator/https://mortgageplainly.pages.dev/tools/home-affordability-calculator/Wed, 11 Nov 2026 09:00:00 -0700Estimate the home price your income supports at a debt-to-income limit you choose, including taxes, insurance, PMI and closing costs, with the DTI math shown.https://mortgageplainly.pages.dev/tools/extra-payment-calculator/https://mortgageplainly.pages.dev/tools/extra-payment-calculator/Wed, 11 Nov 2026 09:00:00 -0700See how extra monthly, yearly or one-time mortgage payments change your payoff date and how much interest they save, with the schedule math explained.https://mortgageplainly.pages.dev/tools/amortization-schedule-calculator/https://mortgageplainly.pages.dev/tools/amortization-schedule-calculator/Wed, 11 Nov 2026 09:00:00 -0700Build a full mortgage amortization schedule: interest, principal and balance for every payment and every year, with total interest and the payoff month.https://mortgageplainly.pages.dev/guides/va-funding-fee/https://mortgageplainly.pages.dev/guides/va-funding-fee/Wed, 11 Nov 2026 09:00:00 -0700VA funding fee rates for purchase, cash-out and IRRRL loans, who is exempt, how the fee is paid or financed, and how VA compares on mortgage insurance.https://mortgageplainly.pages.dev/guides/private-mortgage-insurance/https://mortgageplainly.pages.dev/guides/private-mortgage-insurance/Wed, 11 Nov 2026 09:00:00 -0700What private mortgage insurance is, when conventional loans require it, how it is priced, and the federal rules for canceling PMI at 80% and ending it at 78%.https://mortgageplainly.pages.dev/guides/how-mortgage-interest-works/https://mortgageplainly.pages.dev/guides/how-mortgage-interest-works/Wed, 11 Nov 2026 09:00:00 -0700How mortgage interest is charged each month, the fixed-rate payment formula, interest rate versus APR, and how rate and term change total cost.https://mortgageplainly.pages.dev/guides/fha-vs-conventional-loans/https://mortgageplainly.pages.dev/guides/fha-vs-conventional-loans/Wed, 11 Nov 2026 09:00:00 -0700Compare FHA and conventional mortgages: minimum down payments, FHA MIP versus PMI, how long each lasts, loan limits, and when each tends to cost less.https://mortgageplainly.pages.dev/guides/escrow-accounts/https://mortgageplainly.pages.dev/guides/escrow-accounts/Wed, 11 Nov 2026 09:00:00 -0700How a mortgage escrow account pays property tax and insurance, why your payment changes, the federal cushion cap, and escrow shortages and surpluses.https://mortgageplainly.pages.dev/guides/discount-points/https://mortgageplainly.pages.dev/guides/discount-points/Wed, 11 Nov 2026 09:00:00 -0700How mortgage discount points and lender credits work, what one point costs, how to find the break-even on buying down your rate, and what to ask lenders.https://mortgageplainly.pages.dev/guides/debt-to-income-ratio/https://mortgageplainly.pages.dev/guides/debt-to-income-ratio/Wed, 11 Nov 2026 09:00:00 -0700How lenders calculate debt-to-income ratio, what counts as debt, Fannie Mae's 36%, 45% and 50% limits, and what happened to the 43% rule.https://mortgageplainly.pages.dev/guides/conforming-loan-limits-2026/https://mortgageplainly.pages.dev/guides/conforming-loan-limits-2026/Wed, 11 Nov 2026 09:00:00 -07002026 conforming loan limits from FHFA: $832,750 baseline, $1,249,125 high-cost ceiling, special limits for Alaska and Hawaii, and what jumbo means.https://mortgageplainly.pages.dev/guides/closing-costs/https://mortgageplainly.pages.dev/guides/closing-costs/Wed, 11 Nov 2026 09:00:00 -0700What mortgage closing costs include, the 2% to 5% range Freddie Mac cites, how the Loan Estimate and Closing Disclosure work, and ways to lower fees.