HomeCalculus
U.S. home affordability: the full monthly payment and cash to close under each state's rules
Affordability, full monthly payment and cash-to-close calculators under each state's rules.
Open the live site: homecalculus.com, opens in a new tab
What we built
HomeCalculus for the United States works out what a buyer can afford, the full monthly payment including taxes, insurance and PMI, and the cash to close, calculated from the buyer's state rules. It covers every loan type, explains how buying with an agent has changed, and is independent: nobody pays it to steer buyers. Numbers are calculated rather than guessed, official sources are shown, every assumption is visible, and it is private by default. Built on Next.js.
What HomeCalculus U.S. is
HomeCalculus U.S. is the American edition of the HomeCalculus platform, built with a partner. It works out what a buyer can afford, the full monthly payment with property tax, insurance and PMI, and the cash needed at closing, calculated from each state's actual rules rather than a national average. It is shown here because it demonstrates the same platform applied to a second jurisdiction.
What the platform includes
The site leads with four questions: how much house can I afford, what is the mortgage payment with PMI, what are the closing costs in my state, and what does an agent cost. Closing-cost pages exist for every state and the District of Columbia. An agent-fees section explains how buying with an agent has changed, a 'can I buy it' flow combines the calculators for a specific home, and calculators for affordability, closing costs and mortgage payments stand on their own. Visitors can switch to the Canadian site and prices switch to CAD.
- Affordability, mortgage-with-PMI and closing-cost calculators
- Closing-cost pages for all fifty states and D.C.
- An agent-fees explainer and a 'can I buy it' flow
- A country switch to the Canadian edition
How it was built
The U.S. and Canadian editions share one Next.js and TypeScript codebase and one calculation engine, with each country's rules, taxes and programmes held as separate data. That is what makes a second jurisdiction practical: the engine is the same, the rules are not. As on the Canadian site, AI interprets questions and explains results; it does not calculate them.
What a similar build costs
A multi-jurisdiction calculator platform is quoted as a web application (Quote) after scoping. The lesson that transfers to smaller projects is the separation of rules from code: a Canadian business that serves more than one province can have one site with province-specific pages and pricing, which is usually a Growth System (from from CA$1,299) rather than a custom application. Usage (AI, call minutes, SMS, email) is billed by each provider directly to your own account; none is included in our prices. Ask about a trial period to see your real usage first.
Prices are in Canadian dollars and exclude taxes. Any tax that applies is shown separately on your invoice.
This page describes one project. A similar site for your business is quoted in writing after a short call, and you can see your homepage design free before paying anything.
HomeCalculus questions
Why is a U.S. project on the Canadian site?
Because it is the same platform as HomeCalculus Canada applied to a second country, and it shows how one codebase handles different rules.
Does it cover every state?
Closing-cost pages exist for all fifty states and the District of Columbia, each applying that state's rules.
Is HomeCalculus a client?
No. It is a project built with a partner and is labelled as such.
What does this mean for a Canadian business in several provinces?
One site can hold province-specific pages and pricing driven by data, which is usually a Growth System from from CA$1,299 rather than a custom application. Prices are in Canadian dollars and exclude taxes. Any tax that applies is shown separately on your invoice.
Want something like this?
Tell us about your business and what you want more of. A written, fixed-price proposal follows within two business days.