TRUE COST OF
HOMEOWNERSHIP
Your mortgage payment is only part of the story. Discover an estimated total monthly housing cost, including property taxes, insurance, mortgage insurance, HOA fees, and maintenance.
Beyond the Mortgage Payment
Most mortgage calculators focus on principal and interest. But the true cost of homeownership can include several additional expenses.
Mortgage Maniac OS was designed to help you see a more complete financial picture before making one of life's biggest decisions.
Enter your own assumptions below. The calculator will estimate your monthly housing expenses and cash needed to purchase.
01 / Your Home Purchase
02 / Property & Ownership Expenses
03 / Your Ownership Intelligence Report
Monthly Expense Breakdown
The colored bar shows the relative share of each estimated monthly expense, in the same order as the breakdown above.
Your personalized cost comparison will appear here.
04 / Buy Now vs. Wait Intelligence
What if you wait one year to purchase? Explore how a hypothetical change in home price and mortgage rate could affect your estimated payment.
This is a scenario comparison, not a prediction of future market conditions.
BUY NOW
Estimated monthly principal and interest at today's entered assumptions.
WAIT ONE YEAR
Estimated monthly principal and interest using your hypothetical future assumptions.
Enter your assumptions to compare the two scenarios.
Comparison assumes the same down-payment percentage and loan term in both scenarios. It compares principal and interest only. It does not account for rent while waiting, savings returns, changes in taxes or insurance, transaction costs, investment opportunity costs, or future refinancing.
Have Questions About Your Results?
Your mortgage calculation is just the beginning.
Explore FHA loans, conventional mortgages, down payments, mortgage qualification, and other educational topics using Mortgage Maniac OS Chat AI.
✦ LAUNCH MORTGAGE MANIAC CHAT AI →The current assistant provides automated educational responses. It is not a live generative AI advisor.
Technology Calculates. Experience Provides Context.
My name is David Braun.
I've worked in the mortgage industry since 1997.
Mortgage Maniac OS is being developed to help consumers understand mortgage financing and the financial decisions behind homeownership.
Online tools can help you explore possibilities. Personalized mortgage guidance can help you understand financing options for your situation.
CONNECT WITH DAVID BRAUN →