HomeKey: Mortgage Calculator

HomeKey is an independent app. It is not affiliated with, endorsed by or connected to any government agency, and it does not provide any government service.

HomeKey is a free mortgage calculator and home loan calculator for the USA. See your full monthly house payment in seconds: principal and interest, property tax, home insurance, HOA and PMI (PITI). 14 mortgage and home loan calculators in one clean app. No sign-up, the calculators work offline, and the numbers you type never leave your phone. Every result is worked out from the numbers you enter.

MORTGAGE CALCULATORS
• Mortgage payment calculator (PITI) with property tax, insurance, HOA and PMI
• Home affordability calculator: how much house can I afford?
• Down payment calculator: options from 3% to 25%
• Closing costs calculator and cash to close
• Rent vs buy calculator
• Adjustable rate mortgage (ARM) worst-case payment
• Refinance calculator with break-even month
• Mortgage payoff calculator: extra monthly, yearly, one-time or bi-weekly payments
• My loan today: balance, home equity and payoff date
• HELOC, compare two loan offers, APR, debt-to-income (DTI), auto loan

EVERY RESULT COMES WITH
• Clear payment breakdown chart and loan balance curve
• Amortization schedule by year or by month
• Save, share, PDF report and CSV export

PLAN YOUR HOME PURCHASE
• Down payment savings tracker with a target date
• 12 steps to your home, from reviewing your finances to closing day
• Mortgage words explained in plain English: escrow, points, PMI, APR and more
• Light and dark mode

WHO IT IS FOR
First-time home buyers comparing houses, homeowners thinking about a refinance or paying off the mortgage early, and anyone who wants a quick monthly payment estimate before talking to a lender.

IMPORTANT
HomeKey is a free, ad-supported planning tool made by MMB GAMES. It is not a lender, does not offer loans and does not give financial, legal or tax advice. The starting numbers in each calculator are examples only; type your own. Ask a licensed loan officer for a written estimate before you decide.