Understand Your Mortgage Before You Buy
See your numbers
Fill in your details, then press Calculate — uses your state's real tax & insurance data. No sign-up.
Your estimate
Appears here when you press Calculate.
Where rates have been
Illustrative 30-year fixed trend — educational context, not a quote.
30-year fixed — last 24 months
Illustrative educational trendWhat's inside a monthly payment
PITI — the four parts every estimate is built from.
- Principal & interest$1,839/mo
- Property taxes$321/mo
- Homeowners insurance$185/mo
Illustrative example: $350,000 home, 20% down, 30-year fixed at 6.875% — about $2,345/mo all-in. Put less than 20% down and mortgage insurance is added. Educational only, never a quote.
2026 loan limits
Set annually by FHFA/HUD — they vary by county, so verify yours.
- Conforming (most counties)$832,750
- High-cost county ceiling$1,249,125
- FHA floor (most counties)$541,287
Loans above your county’s conforming limit are jumbo territory — the calculator’s Jumbo program models them.
Prefer a little guidance?
Answer a few quick questions and Murphy will point you to the right free guide.
What are you looking to do?
Select all that apply — Murphy will line up the right free guides.
Clear, unbiased guides to home loans, the buying process, and your options — with zero sales pressure. Learn at your own pace and grab a free booklet.
- 100% free resources
- No pre-qualification
- No credit pull
- No obligation
Here to help, not to sell.
We're an independent educational publisher for homebuyers — not a lender, and we never take loan applications. We simply explain how it all works in plain English, with free guides, free tools, and local context for your city — so you can decide with confidence, at your own pace.
More about us →- Genuinely unbiasedNo lender pays to be featured here, and we never sell your information — our only job is your understanding.
- Real local dataCounty property taxes, insurance estimates, and loan limits — with dedicated city guides and deep county-level coverage where you live.
- Free, plain-English educationEvery guide, calculator, and booklet is 100% free — no jargon, no paywalls, and no sign-up to read.
- No pressure, everNo obligation and no sales calls — learn at your own pace and decide when you’re ready.
Where Rates Have Been
Educational context for the numbers you hear in the news — never a quote.
30-year fixed rate trend
Illustrative educational series · 2020 → todayLearn About Every Loan Type
No single loan is right for everyone. Understand the options so you can make an informed choice.
VA Home Loans
Zero-down benefits and no monthly mortgage insurance for eligible veterans and service members.
Learn moreConventional Loans
Flexible options with as little as 3% down for buyers with steady credit.
Learn moreRefinancing
Lower your rate, change your term, or tap equity — learn when it makes sense.
Learn moreEducation First, Always
We're not here to sell you a loan. We're here to help you understand one.
Plain-English Guides
Mortgages, loan types, credit, and closing costs — explained without jargon.
Free Calculator
Estimate your monthly payment in seconds. No sign-up required.
Free Booklets
Download an in-depth educational guide for the loan type you're curious about.
No Sales Pressure
We're an independent resource — not a lender. Learn at your own pace.
Unbiased Information
Official sources and balanced explanations so you can decide for yourself.
Local Context
Guidance tailored to the city and state where you want to buy.
Free Educational Guides
Explore by City
Local context for the markets we cover — county, neighborhoods, taxes, and insurance, all educational.