Your mortgage, fully broken down — free calculators built for clarity, not commissions.
MortgageBreakUSA is a free mortgage calculator hub built to give homebuyers and homeowners a clear, honest picture of their mortgage costs. No sign-ups, no sales pitches, no rates to compare — just calculators that show you the numbers.
We cover the full home-buying cost picture: your true monthly PITI payment (Principal, Interest, Taxes, and Insurance), home affordability using the 28/36 DTI rules, PMI requirements, complete amortization schedules, refinance break-even analysis, and closing cost estimates for all 50 states.
Page last reviewed for accuracy: August 13, 2026.
Every calculator on this site runs on standard, published mortgage math: the fixed-rate amortization formula for principal-and-interest payments, the conventional 28% front-end / 36% back-end debt-to-income thresholds (with the FHA's 43% back-end allowance noted separately) for affordability, and the Homeowners Protection Act's 78%/80% loan-to-value thresholds for automatic and requestable PMI cancellation. We don't invent our own formulas or thresholds — where a rule of thumb is genuinely just a rule of thumb (like the "0.5-0.75 point" refinance guideline), we label it as guidance, not a fixed rule.
We do not publish or hard-code current mortgage interest rates anywhere on this site. Rates change daily, and any specific rate we wrote into a page would be stale within days. Every example on this site that references a rate — including the worked examples on the refinance calculator — is explicitly framed as an illustration, not today's actual market rate. For current rates, check directly with a licensed lender or a rate source like the Consumer Financial Protection Bureau.
Where this site states a specific rule or threshold, we source it from the government or industry body that actually sets it: the Consumer Financial Protection Bureau (Loan Estimate rules, general homebuying guidance), the Homeowners Protection Act of 1998 (PMI cancellation rules), and standard conventional/FHA underwriting guidelines (DTI ratios). We link to primary sources directly from the page where a claim is made, rather than asking you to take our word for it. If you find a claim on this site that doesn't match its cited source, please let us know — see our corrections policy below.
MortgageBreakUSA is free to use and always will be. The site is supported by display advertising and a small number of disclosed affiliate links (for example, a credit-monitoring signup link and book recommendations related to homeownership and personal finance). We do not accept payment to change a calculator's output, and no calculator result is influenced by whether you click an affiliate link. Affiliate relationships are disclosed on the pages where they appear and in our full disclaimer.
We aim for every number and rule on this site to be accurate and current. If a calculation looks wrong, a cited rule has changed, or a page is out of date, contact us with specifics — we review every report and correct confirmed errors as quickly as we can. This isn't a formality: catching a real mistake in a mortgage calculator can save someone real money, and we'd rather hear about it from you than not at all.
Your complete monthly mortgage cost — principal, interest, property tax, homeowners insurance, PMI, and HOA fees in one number.
Uses the 28% front-end and 36% back-end DTI rules to find the maximum home price you can realistically qualify for.
Find out if you need Private Mortgage Insurance, how much it costs, and exactly which month it can be removed from your loan.
Full month-by-month breakdown of every payment — see the principal vs. interest split and remaining balance for every month of your loan.
Should you refinance? Calculate monthly savings, break-even month, and total interest saved over the remaining loan term.
Estimate closing costs for all 50 states with a full breakdown of lender fees, title insurance, transfer taxes, and prepaid items.
MortgageBreakUSA is operated by Berean Defense, LLC, a Wyoming company. We are not a mortgage lender, mortgage broker, real estate agent, or licensed mortgage loan originator. We do not originate, process, underwrite, fund, or service mortgage loans. We do not provide personalized financial advice, and nothing on this site should be read as a substitute for advice from a licensed mortgage professional, financial advisor, or tax professional who can review your specific situation.
All calculator results are estimates for informational and educational purposes only. For a formal mortgage pre-qualification or pre-approval, please work with a licensed mortgage professional in your state — a Loan Estimate from a real lender, not a calculator, is the only document that reflects your actual approved terms.
Most mortgage calculators online hide the true cost of homeownership by only showing principal and interest. We show the full PITI number — the actual monthly obligation most lenders underwrite against. We believe informed buyers make better decisions, and better decisions start with accurate numbers, clearly stated assumptions, and an honest account of what a calculator can and can't tell you.
That last part matters more than it sounds: a break-even calculator can tell you when a refinance's closing costs pay for themselves, but it can't tell you whether you'll still own the home by then, or whether a longer loan term quietly increases your total interest cost even while your monthly payment drops. We try to surface those trade-offs directly on the calculator pages themselves — see, for example, the "Payment Break-Even vs. Total Interest" explanation on our refinance calculator — rather than reducing a complex decision to a single green checkmark.
Our calculators run entirely in your browser. We do not collect or store your financial inputs. No data is sent to any server when you use our tools.
Questions, corrections, or feedback? We welcome it. Send us a message →