Actual Mortgage Cost Calculator

Know what you'll ACTUALLY pay for a home — PITI, PMI, HOA, utilities & maintenance, not just the listing price.

Actual Mortgage Cost Calculator shows you what a home really costs, every month — not just the listing price. A listing shows you one number. It doesn't show you PMI if you're putting down less than 20%, what property tax and insurance actually run in that area, HOA dues, utilities, routine maintenance, or the cash you'll need before you even get the keys. This extension puts all of that in one place, right on the listing you're already looking at. HOW IT WORKS Click the extension while viewing a for-sale listing on Zillow, Realtor.com, Redfin, Homes.com, or Trulia. It reads the price, address, beds/baths/square footage, lot size, year built, HOA fee, property tax, insurance, and price history straight off the page where it can, and you fill in the rest — your loan terms (down payment, interest rate, term, credit score) and any monthly extras. It calculates your true monthly cost instantly, with no account and no sign-up. WHAT YOU GET - Full monthly cost breakdown: principal & interest, property tax, homeowners insurance, PMI, HOA, utilities, maintenance, and any other recurring costs you add - A move-in cash calculator: down payment, closing costs, inspection, appraisal, earnest money, moving costs, and immediate repairs, all totaled up front - An affordability check (debt-to-income and front-end ratio) against your income, so you know before you offer whether a home is a stretch - Smart insights that flag PMI you could avoid, high tax/insurance areas, or costs that run over what a lender would typically approve - An extra-payment calculator and ownership timeline showing how faster payoff or an early lump sum changes your loan - A rent vs. buy comparison against a comparable rental nearby - History and side-by-side comparison of every home you've looked up - A downloadable mortgage cost report FREE TO USE 10 free home calculations to start, plus 3 more every day, with every feature unlocked. Revisiting or recalculating a home you've already looked up is always free and never counts against that limit. If you're house hunting intensively, a 30-Day Pass ($4.99, one time, not a subscription) unlocks unlimited calculations for 30 days. PRIVACY The extension only reads a page when you click it — never in the background. Your preferences and history are stored locally on your device. Full privacy policy available from the extension and at https://actual-mortgage-cost-calculator.pages.dev/privacy.html. Actual Mortgage Cost Calculator is an independent tool and is not affiliated with or endorsed by Zillow, Realtor.com, Redfin, Homes.com, or Trulia. All figures are estimates for informational purposes only — not a loan offer or financial advice.