Hi Product Hunt! 👋 I’m excited to share MortgageCalculatorUS with you all. The Problem: I noticed that most big real estate websites and bank calculators hide the true cost of homeownership. They focus mainly on principal and interest to make houses look more affordable, leaving first-time buyers shocked when property taxes, homeowners insurance, and PMI get added to the mix. Plus, many of these tools are just lead-gen traps that require your email or phone number. The Solution: I built a simple, no-BS, lightning-fast tool that shows the entire financial picture upfront. MortgageCalculatorUS instantly calculates your exact PITI (Principal, Interest, Taxes, Insurance) plus PMI and HOA fees in one clean interface. It's completely free, runs instantly in your browser, and 100% respects your privacy. The Process: While building this, I realized how powerful extra payments can be. So, I added a dynamic 'Extra Monthly Payment' feature with a 'Pro Tip' box to show buyers exactly how much interest they can save by paying just a little bit more each month. I’d love to hear your feedback on the UI and any features you think I should add!

MortgageCalculatorUS - Estimate true home costs with taxes, insurance & PMI.

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