# CalculateYourRate

> CalculateYourRate is a free U.S. mortgage payment calculator and educational resource. It estimates principal, interest, property tax, homeowners insurance, PMI, and HOA dues. CalculateYourRate is not a lender, broker, or loan originator.

## Primary resources

- [Mortgage calculator](https://www.calculateyourrate.com/): Estimate a monthly mortgage payment and compare the effect of price, down payment, rate, term, taxes, insurance, PMI, and HOA dues.
- [Mortgage rate guides](https://www.calculateyourrate.com/guides/): Plain-English educational articles for home buyers.
- [Mortgage FAQ](https://www.calculateyourrate.com/faq.html): Answers about calculator accuracy, rates, PMI, privacy, and how the site works.
- [About](https://www.calculateyourrate.com/about.html): What the site does, how it is funded, and what it is not.
- [Contact](https://www.calculateyourrate.com/contact.html): Email, telephone, location, and official profile.
- [Affiliate disclosure](https://www.calculateyourrate.com/disclosure.html): How lender referral links fund the site.
- [Privacy policy](https://www.calculateyourrate.com/privacy.html): Data collection and use.
- [Terms of use](https://www.calculateyourrate.com/terms.html): Calculator limitations and site terms.

## Mortgage calculators

- [All mortgage calculators](https://www.calculateyourrate.com/calculators/)
- [FHA mortgage calculator](https://www.calculateyourrate.com/calculators/fha-mortgage-calculator)
- [VA mortgage calculator](https://www.calculateyourrate.com/calculators/va-mortgage-calculator)
- [USDA mortgage calculator](https://www.calculateyourrate.com/calculators/usda-mortgage-calculator)
- [PMI calculator](https://www.calculateyourrate.com/calculators/pmi-calculator)
- [Closing cost calculator](https://www.calculateyourrate.com/calculators/closing-cost-calculator)
- [Mortgage affordability calculator](https://www.calculateyourrate.com/calculators/mortgage-affordability-calculator)
- [Extra mortgage payment calculator](https://www.calculateyourrate.com/calculators/extra-payment-calculator)
- [15-year vs. 30-year calculator](https://www.calculateyourrate.com/calculators/15-vs-30-year-calculator)
- [Rent vs. buy calculator](https://www.calculateyourrate.com/calculators/rent-vs-buy-calculator)
- [Debt-to-income calculator](https://www.calculateyourrate.com/calculators/debt-to-income-calculator)
- [Mortgage points calculator](https://www.calculateyourrate.com/calculators/mortgage-points-calculator)
- [Refinance break-even calculator](https://www.calculateyourrate.com/calculators/refinance-break-even-calculator)

## Featured guides

- [Fixed vs. ARM](https://www.calculateyourrate.com/guides/fixed-vs-arm.html)
- [How credit score changes a mortgage rate](https://www.calculateyourrate.com/guides/credit-score-and-rate.html)
- [How much house can I afford?](https://www.calculateyourrate.com/guides/how-much-house-can-i-afford.html)
- [First-time home buyer checklist](https://www.calculateyourrate.com/guides/first-time-buyer-checklist.html)

## Agent interfaces

- Markdown homepage: https://www.calculateyourrate.com/index.md
- MCP Server Card: https://www.calculateyourrate.com/.well-known/mcp/server-card.json
- MCP endpoint: https://www.calculateyourrate.com/mcp
- Sitemap: https://www.calculateyourrate.com/sitemap.xml

## Contact

- Email: info@calculateyourrate.com
- Telephone: +1-305-699-6150
- Service location: Okeechobee, Florida 34972, United States
- Facebook: https://www.facebook.com/people/Calculateyourratecom/61592567017011/