About AffordMortCalc.com
AffordMortCalc.com builds clear, free mortgage and affordability tools so American homebuyers and homeowners can understand the real cost of a home before they commit. Every calculator, guide, and article is written to turn complicated lending rules into numbers you can act on.
Our Mission
Buying a home is the largest financial decision most people make, yet the math behind the monthly payment is rarely explained in plain language. Our mission is to close that gap. We provide free, accurate calculators and state-by-state guides so you can see your principal and interest, taxes, insurance, and mortgage insurance together, compare locations on true ownership cost, and plan a down payment or extra-payment strategy with confidence. We are not a lender and we do not sell loans; our only product is clarity.
How Our Calculators Work
Every tool on this site runs on the same standard formulas used across the U.S. mortgage industry. The monthly payment uses the fixed-rate amortization equation; the debt-to-income tool applies the well-known 28/36 rule (housing should not exceed 28% of gross income and total debt should not exceed 36%, with higher limits for FHA, VA, and USDA loans); and the private mortgage insurance estimates follow typical lender-paid and borrower-paid ranges. We show the math inside each calculator so you can verify the result rather than trusting a black box.
Our Content and State Guides
Our fifty state guides combine published effective property-tax rates, median home prices, and each state's assistance and exemption programs into a single readable page. The figures come from publicly available state and federal sources and are presented as planning estimates, not quotes. Our blog covers timing topics such as rate trends, down-payment strategy, and refinancing break-even points, always with the caveats a responsible guide should include. We review and update guides as program rules change.
Editorial Standards
We hold our content to a simple standard: if a number appears on this site, it should be traceable to a formula or a public source. We avoid invented statistics, we label estimates as estimates, and we revise articles when guidance changes. Where a decision carries real money, we point you to a licensed professional rather than pretending a calculator is advice. This discipline is what makes the tools worth using.
Data Sources
We use official data from:
Accuracy & Compliance
All our calculators follow the official 28/36 DTI (Debt-to-Income) rules, FHA loan limits, and PMI deduction guidelines. However, all calculations are estimates. Consult a licensed mortgage professional before making financial decisions. State programs, tax rates, and loan limits change; always confirm current figures with the relevant agency or a qualified advisor.
Our Editorial Team
AffordMortCalc.com is produced by an independent editorial team focused on U.S. mortgage and housing topics. Our writers and reviewers research each calculator, state guide, and article from primary sources—federal agencies, state housing finance authorities, and published rate and tax data—and we document those sources so readers can check our work. We are not affiliated with any lender, real-estate broker, or government agency, and we do not accept payment to change a calculation result or a recommendation. Every guide lists where its numbers come from, and our editorial standards require that any figure be traceable to a formula or a public record.
Contact Us
For questions or feedback about our calculators or guides, please contact us at: support@affordmortcalc.com