The questions people actually ask

No. It is fictional, built to demonstrate a website design. It holds no licence, has no staff, and cannot take an application. Every person, address and telephone number on the site is invented, and the numbers sit inside the 555-0100 to 555-0199 block reserved for fiction.

You can use them to understand the shape of a decision. Every one cites the published rule it applies and shows its assumptions, and the arithmetic is covered by a test suite that asserts against those rules. But they do not know your credit, your lender's overlays, your county's loan limits or your tax position, and no result here is an offer.

No. It sets no cookies, loads no analytics, no advertising pixels, no font service and no third-party scripts at all. The only thing written to your browser is your theme, colourway and accessibility choices, and the notice at the bottom of the page lets you decline even that.

You may request cancellation when the balance is scheduled to reach 80% of the original value, and it terminates automatically at 78%. Both dates come off the original amortisation schedule, so paying extra does not move the automatic one. There is also a final termination at the midpoint of the amortisation period. That is the Homeowners Protection Act, 12 U.S.C. §4902.

No, and this is the single most common error in mortgage calculators. FHA annual MIP is not tied to equity at all. On a term longer than 15 years written above 90% loan-to-value it runs for the life of the loan. At 90% or less it runs 11 years. Paying the balance down does not end it; refinancing into a conventional loan is the usual exit.

There is still insurance. You pay the 1.75% upfront premium and 132 monthly premiums. At 20% down a conventional loan has none at all, which is normally the better trade.

No, at any loan-to-value. A one-time funding fee replaces it: 2.15% on a first use with nothing down, less with a down payment, more on a subsequent use, 0.50% on a streamline refinance, and nothing at all for borrowers exempt through service-connected disability compensation.

Principal only overtakes interest when the balance falls below the monthly payment divided by twice the monthly rate. On $400,000 at 6.5% over 30 years that threshold is about $233,379, which the balance crosses entering month 233.

The popular one — costs divided by the monthly saving — flatters any refinance that resets the term, because a lower payment on a longer schedule is not the same as being better off. The second compares cash paid so far plus the balance still owed on both loans, which is the comparison that survives a reset.

Because both households are treated the same way. The renter invests the buyer's down payment and closing costs, and each month whichever household is cheaper invests the difference while the other draws it down. Clamping that surplus at zero on one side only is how these calculators are usually rigged, and the test suite here fails if it ever happens.

Yes. The inputs are the state and the state is the URL, so copying the link copies the exact scenario. Every calculator page has a copy button, plain share links, and an email field that validates the address and then tells you plainly that nothing was sent.

Pull the Colourways tab on the left edge. Four schemes, each measured for contrast against the surface it is painted on, in both the light and the dark theme, before it was offered. The choice persists and is applied before the page paints.

Yes. It sets a single custom property that every duration and delay in the stylesheet multiplies by, and it fires an event the canvas listens for, so the thread field stops its animation frames rather than continuing to run behind a still-looking page. It defaults to whatever your operating system asks for.

All of it, including the calculators. Each calculator page is rendered at build time with a complete default scenario — the itemised payment, the chart and the first 120 rows of the schedule. JavaScript adds live recalculation, the month and year table views and the share tools.