MortgageBreakUSA

MortgageBreakUSA is the all-in-one mortgage math toolkit — five free, no-signup calculators that break your home loan down into the four numbers that actually matter: principal, interest, taxes, and insurance. Run a true PITI payment with property tax, homeowners insurance, HOA, and PMI baked in. Test affordability against the standard 28/36 DTI rules lenders actually use. See exactly when your PMI drops off at 78% LTV. Build a full month-by-month amortization schedule and watch the principal-vs-interest split flip over the life of the loan. Compare refinance scenarios with a break-even month, and estimate closing costs by state — including transfer taxes, title insurance, and prepaid escrows. Everything runs in your browser. Nothing is stored, nothing is sold, and no lender contacts you. Built for the buyer who wants to walk into the lender's office already knowing the answers. Updated for 2026 with conventional, FHA, VA, and ARM context where relevant. All 50 states supported for closing-cost estimates. Optimized for AI assistants — ask ChatGPT, Claude, or Perplexity "what would my payment be on a $400,000 home at 6.5%" and structured data on MortgageBreakUSA helps power the answer. Free forever. No account. No upsell.