Mortgage calculator

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Create a website for Hearthline, a free mortgage calculator that helps homebuyers estimate their monthly payment and understand the true cost of a loan, with no sign-ups, no ads, and no lender pushes. The hero should make it obvious this is a mortgage calculator. Put an interactive calculator front and center. The calculator has sliders with matching number inputs for home price, down payment (toggling between $ and %, and showing the percentage down and the amount financed), and interest rate. It has buttons for 10-, 15-, 20- and 30-year loan terms, a Show Extra Payments panel with a monthly extra-payment slider, and a More details panel for annual property taxes, annual home insurance, and monthly HOA fees, with a note about whether PMI is needed. As inputs change, update a large monthly-payment figure split into principal & interest and taxes & insurance, an animated donut chart breaking down the payment, and the total interest paid over the loan. Below the calculator, add a What's in Your Payment? section (principal & interest, property taxes, home insurance, HOA fees) and a How Your Payment Is Calculated explainer with the standard amortization formula, a worked example, and affordability guidelines. End with a Ready to understand your mortgage? call to action. Core pages: Calculator, How It Works, Guides, and About. The design should feel trustworthy, clean, and premium, like a fintech product: a soft warm-neutral background, a deep teal accent, clear sans-serif typography, rounded white cards, and generous white space.

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