US Property & Mortgage Calculators

Buying a home in the US runs through a wider stack of costs than many first-time buyers expect: principal and interest on the mortgage, property taxes (varying wildly by state and county), homeowners insurance, HOA fees if applicable, and Private Mortgage Insurance (PMI) if the down payment is under 20%. The calculators in this hub model each piece — monthly amortisation, rental yield for landlords netting agent fees and vacancy, and a buy-vs-rent comparison that weighs maintenance, opportunity cost on the down payment, and the marginal tax benefit of mortgage interest deduction for itemizers. PMI cancels automatically at 78% LTV based on the original schedule, which can be accelerated by overpayments; the overpayment calculator surfaces the saving.