Mortgage Calculator : CLOSING

About

Know the real number you have to wire on closing day, not just the monthly payment. CLOSING turns the price of a house into the two figures that actually decide whether you can buy it: your true monthly cost and the cash you need at the table. WHAT YOU GET - Cash to close, built line by line - Your real affordability ceiling, and which limit is holding you back - Full monthly cost with principal, interest, taxes, insurance and mortgage insurance - Complete amortization schedule for the life of the loan - The exact month mortgage insurance drops off - The year two payment jump that most buyers never see coming - A savings plan that tells you the date you will be ready COMPARE BEFORE YOU COMMIT - Put plans side by side and see exactly where they differ - Compare houses on true monthly cost, not asking price - Compare lender quotes on rate, points, fees and total cost over the years you plan to stay - Find the crossover month where paying for a lower rate starts paying you back CLOSING DAY WITHOUT SURPRISES - Every deadline calculated from your contract date - Reminders for inspection, appraisal, financing and final walkthrough - Checklists for what to do before closing and what to bring on the day - Wire fraud safety steps, because that risk is the one you cannot undo BUILT FOR THE UNITED STATES - Property tax, insurance and title estimates for all fifty states - Conventional, FHA, VA and USDA programs - Checks a final statement against the original estimate to catch charges that should not have moved SHOW YOUR WORK - Tap almost any number to see the arithmetic behind it - Every default is labelled, so you always know what you entered and what was estimated - Sources and the date they were verified are shown in the app AI THAT EXPLAINS YOUR OWN NUMBERS - Ask questions about your own plan in plain English - Get a full review of a deal, ranked by dollars - Check a lender estimate line by line - Draft a message you can actually send to a lender PRIVACY AND QUALITY - No ads anywhere in the app - No account and no password, because there is nothing to log in to - Your figures stay on your device - No trackers and no third party analytics - Works offline, apart from the optional AI features CLOSING is a planning tool, not financial advice. Figures are estimates. Your lender determines your actual costs, rate and eligibility. Verify every number before you sign. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/