Mortgage Calculator
Estimate principal and interest, taxes, insurance, HOA, and total monthly payment.
- Down payment and loan amount split
- PITI + HOA monthly breakdown
- Total interest estimate over term
Home Cost Planning Calculators
Model monthly ownership cost, affordability guardrails, refinance timing, and long-horizon rent vs buy tradeoffs.
Mortgage Amortization Calculator
Generate month-by-month payoff schedules with principal, interest, and extra-payment impact.
- Monthly balance rundown
- Payoff timeline with extra payments
- Total interest comparison versus baseline
Home Affordability Calculator
Set a price range using front-end and back-end debt-to-income assumptions.
- Income and debt constraint modeling
- Custom DTI thresholds
- Estimated max home price output
Refinance Break-Even Calculator
Compare current and proposed loan terms to find savings timing and net impact.
- Monthly payment delta
- Break-even months after closing costs
- Remaining-term total-cost comparison
Rent vs Buy Calculator
Estimate total cost over your planned stay duration, including equity recovery.
- Rent growth scenario
- Ownership cost + sale proceeds model
- Net-cost difference summary
Housing Planning Guides
Use short, practical guides when you need direction before running numbers.
Housing Planning FAQ
What should I treat as fixed versus uncertain?
Mortgage terms are mostly fixed once set, but appreciation, rent growth, taxes, and maintenance are uncertain. Test conservative and optimistic scenarios.
Does this include transaction friction?
Yes. The rent-vs-buy calculator includes buy and sell closing-cost assumptions so your comparison is not overly optimistic.
What should I pair with this?
Use BudgetKit for cash-flow planning and CareerKit when income assumptions may change by role or offer.
Assumptions
HousingKit outputs are estimates for planning. Actual payments, tax treatment, insurance costs, and lending qualification can differ by lender, region, and personal profile.