The Mortgage Ledger

United States

United States mortgage tools

Payment, affordability, taxes and insurance — 50 states + DC.

Mortgage calculator

Your monthly payment, broken down line by line.

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Affordability calculator

How much home you can afford on your income.

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Refinance calculator

Compare your current loan to a new rate and find the break-even.

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Browse by state

Each region page has a live calculator plus local tax, affordability and legal context.

Phase 2 preview of the new country-first structure — not yet indexed. The live site is running unchanged.