Mortgage templates

All six worksheets, each with its own combined Tips & FAQs tab, plus offline versions of every one of the site's nine calculators — twenty-three tabs in one workbook with an index that jumps straight to any of them. Rent vs. buy, closing costs, refinance break-even, mortgage points, first-time buyer programs, the early payoff tracker, and working payment, affordability, monthly-debt, HELOC, ARM-vs-fixed, PMI removal, refinance, points, and first-time-buyer calculators. Plus the site's full 6,500-word national buying guide for offline reading. The nine calculator tabs are only available here.

Lines up your real monthly rent against a real all-in mortgage payment — taxes, insurance, PMI, HOA, and a maintenance reserve included, not just principal and interest — then works out how many months of staying put it takes before buying pays back its upfront cost.

Filed under budget

Every fee that typically shows up on a mortgage closing statement — lender fees, appraisal, title, government charges, and prepaids — with a Yes/No column to check against your own Loan Estimate and side-by-side estimated vs. actual totals that add themselves up.

Works out whether a refinance actually pays for itself: your break-even month, a check on whether you'll still own the home by then, and the lifetime-interest comparison that shows when a lower monthly payment quietly costs more overall.

Compare up to three real point quotes side by side — what each costs, what it saves monthly, when it breaks even, and which one genuinely costs least across the years you'll actually keep the loan.

Three assistance programs lined up side by side, with each one's income, purchase-price, and credit-score limits checked against your own numbers — plus a stacking column for which can be combined and a source row for where every limit came from.

A live 360-month amortization schedule that recalculates as you change your extra payment — showing the months you cut off the loan, the interest you never pay, and an honest side-by-side against investing the same money instead.