Mortgage Calculator : CLOSING

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/