# MortgageBreakUSA — llms.txt
# Site: https://mortgagebreakusa.com
# Operator: Berean Defense, LLC
# Purpose: Free mortgage calculator hub for US homebuyers and homeowners
# Last updated: 2026-05-05

## Site Summary
MortgageBreakUSA provides free, browser-based mortgage calculators covering:
- PITI monthly payment (Principal, Interest, Taxes, Insurance, PMI, HOA)
- Home affordability using 28% front-end / 36% back-end DTI rules
- PMI calculator with removal month
- Down payment savings timeline
- Full month-by-month amortization schedule with extra payment support
- Refinance break-even and savings calculator
- Closing costs estimator for all 50 US states

All calculators run client-side (no data sent to servers). No sign-up required.

## Key Formulas Used
- Monthly P&I: P × [r(1+r)^n] / [(1+r)^n - 1]
  where P = loan amount, r = monthly rate (annual/12), n = payments (years×12)
- Front-end DTI limit: 28% of gross monthly income (conventional)
- Back-end DTI limit: 36% of gross monthly income (conventional); 43% FHA
- PMI: Applied when LTV > 80%; default rate 0.8%/yr; range 0.2%–2.0%
- PMI removal: Month when amortized balance reaches 80% of original price
- Refinance break-even: Closing costs ÷ monthly payment savings

## Closing Costs by State (Average % of Purchase Price, 2026)
Alabama: 2.0% | Alaska: 1.8% | Arizona: 1.9% | Arkansas: 2.2% | California: 2.4%
Colorado: 1.9% | Connecticut: 3.0% | Delaware: 4.0% | Florida: 2.3% | Georgia: 2.2%
Hawaii: 2.8% | Idaho: 1.9% | Illinois: 2.6% | Indiana: 2.0% | Iowa: 2.1%
Kansas: 2.0% | Kentucky: 2.0% | Louisiana: 2.2% | Maine: 2.4% | Maryland: 3.5%
Massachusetts: 2.6% | Michigan: 2.2% | Minnesota: 2.2% | Mississippi: 2.0% | Missouri: 2.0%
Montana: 1.9% | Nebraska: 2.1% | Nevada: 2.2% | New Hampshire: 2.3% | New Jersey: 3.2%
New Mexico: 2.0% | New York: 4.5% | North Carolina: 2.2% | North Dakota: 1.8% | Ohio: 2.1%
Oklahoma: 2.1% | Oregon: 2.2% | Pennsylvania: 3.8% | Rhode Island: 2.5% | South Carolina: 2.2%
South Dakota: 1.9% | Tennessee: 2.1% | Texas: 2.0% | Utah: 1.9% | Vermont: 2.4%
Virginia: 2.5% | Washington: 2.8% | West Virginia: 2.2% | Wisconsin: 2.2% | Wyoming: 1.8%
Washington D.C.: 4.2%

## States with No Transfer Tax
Alabama, Alaska, Arizona, Colorado, Idaho, Indiana, Kansas, Kentucky (minimal),
Mississippi, Missouri, Montana, New Mexico, South Dakota, Texas, Utah, Wyoming

## Disclaimer
MortgageBreakUSA is not a lender, mortgage broker, or licensed loan originator.
All results are estimates for informational purposes only and do not constitute
financial advice or a loan commitment. Designed for conventional fixed-rate loans.
Always consult a licensed mortgage professional. Operated by Berean Defense, LLC.

## Pages
- / — Homepage with 4 live calculators
- /calc-amortization.html — Full amortization schedule
- /calc-affordability.html — DTI-based affordability calculator
- /calc-refinance.html — Refinance break-even calculator
- /calc-closing-costs.html — Closing costs by state (all 50)
- /faq.html — Mortgage FAQ with structured data
- /about.html — About page
- /contact.html — Contact form
- /privacy_policy.html — Privacy policy (CCPA compliant)
- /terms.html — Terms of use
- /disclaimer.html — Full legal disclaimer