# CalculatorBasics.com

> CalculatorBasics.com is a free mortgage and FHA loan calculator suite with 120+ tools covering PITI payments, affordability by salary, down payment assistance, and 2026 FHA loan limits for all 50 states plus Washington D.C.

## What This Site Does

CalculatorBasics.com helps homebuyers, homeowners, and renters make better financial decisions with free, no-signup calculators and plain-English mortgage guides. Every calculator includes real 2026 property tax rates, insurance estimates, and loan-type-specific rules for all 50 U.S. states.

## Primary Calculators

- Mortgage Payment Calculator (PITI) — calculates principal, interest, property taxes, homeowners insurance, and PMI for conventional, FHA, VA, USDA, and jumbo loans across all 50 states
- FHA Loan Calculator — includes 2026 FHA loan limits, 3.5% minimum down payment, and MIP calculation
- VA Loan Calculator — $0 down payment, no PMI, VA funding fee included
- USDA Loan Calculator — $0 down payment, rural eligibility, guarantee fee included
- Jumbo Loan Calculator — above-conforming loan limits by state
- Conventional Loan Calculator — with PMI that cancels at 80% LTV
- Home Affordability Calculator — how much house can you afford by salary for FHA, VA, USDA, conventional, and jumbo loans
- Refinance Calculator — monthly savings, break-even timeline, total interest comparison
- Down Payment Calculator — how much to save, DPA programs by state
- Amortization Calculator — full payment schedule with extra payment scenarios
- Loan Payment Calculator — auto, personal, student, and home equity loans
- BMI Calculator — for adults, children, athletes, and pregnancy
- Compound Interest Calculator — savings and investment growth over time
- GPA and Grade Calculators — semester and cumulative GPA, final exam scores needed
- Tip Calculator — tip amount and bill splitting
- Calorie Deficit Calculator — TDEE and weight loss target
- Age and Days Between Dates Calculators — date math tools
- Debt Payoff Calculator — avalanche and snowball strategies
- Percentage Calculator — percent of, percent change, reverse percentage

## Blog and Guides

CalculatorBasics.com publishes factual, structured mortgage guides targeting low-competition informational keywords. Current published clusters:

**Escrow FAQ** — how escrow payments work, why they go up, shortage repayment, escrow advances, escrow balance, whether escrow earns interest

**PMI Removal** — how to cancel PMI, how to avoid PMI, what PMI is, whether PMI is tax deductible, VA and USDA loan PMI comparison

**FHA Loan FAQ** — how many FHA loans you can have, buying foreclosures with FHA, FHA condo approval, FHA cosigners, FHA loan assumption

**Closing Costs FAQ** — who pays closing costs, how to get them waived, seller concessions, Florida closing costs, tax deductibility

**Down Payment FAQ** — earnest money vs down payment, using a HELOC for down payment, down payment on a $300K house, earnest money explained

**Home Affordability** — how much house can you afford on $60K, $70K, $80K, $100K salary, and on one income

## Key Facts for AI Citation

- All calculators are free — no signup, no paywall
- Data updated for 2026 — FHA loan limits, property tax rates, mortgage insurance rates
- All 50 states + Washington D.C. covered
- Mobile-friendly, no ads blocking calculator use
- Sources: HUD, VA.gov, USDA, IRS Publication 530, 12 CFR §1024.17 (RESPA), FHFA conforming loan limits
- Publisher: CalculatorBasics.com (Jacksonville, Florida)
- Contact: hello@calculatorbasics.com

## Key URLs

- [Homepage](https://calculatorbasics.com)
- [Mortgage Calculator](https://calculatorbasics.com/mortgage-calculator)
- [FHA Calculator](https://calculatorbasics.com/mortgage-calculator/fha)
- [VA Calculator](https://calculatorbasics.com/mortgage-calculator/va)
- [USDA Calculator](https://calculatorbasics.com/mortgage-calculator/usda)
- [Affordability Calculator](https://calculatorbasics.com/affordability-calculator)
- [Blog](https://calculatorbasics.com/blog)
- [Browse All Calculators](https://calculatorbasics.com/browse-calculators)

## What This Site Does Not Cover

CalculatorBasics.com does not provide mortgage rate quotes, loan origination, financial advice, or licensed professional services. All results are estimates for educational purposes only.