Free Mortgage Calculators for Massachusetts, New Hampshire, and Maine

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Mortgage Calculators

Mortgage math is not the same as generic national mortgage math when you buy in Massachusetts, New Hampshire, or Maine. Property tax rates vary wildly by town. State first-time-buyer programs (MassHousing’s ONE Mortgage in MA, NHHFA Home Preferred in NH, MaineHousing First Home Loan in ME) have specific dollar implications. The Massachusetts Homestead Act, NH Homestead Right, and Maine Homestead Exemption each work differently. Gold Coast Mortgage builds these tools with the local data baked in.

Below: free calculators built specifically for Massachusetts, New Hampshire, and Maine homebuyers. Run your scenario, then talk to Gold Coast for a precise pre-qualification number.

Available now

PMI Calculator See exactly how much Private Mortgage Insurance adds to your monthly mortgage, and how much you’d save by getting to a higher down payment. Calculate PMI Mortgage Payment Calculator Calculate your monthly principal and interest, total interest paid, and year-by-year balance for a fixed-rate loan. Calculate payment How Much Rent Can I Afford? See your maximum rent under the 30% rule, plus what that same monthly outflow would buy as a home instead. Calculate rent affordability Cost of Renting Calculator See what you’ll write your landlord over 5, 10, or 20 years of renting with realistic annual rent increases. Calculate cost of renting Apartment vs Home: 5-Year Cost Honest side-by-side: total cash paid out and equity built over 5 years of renting vs owning. Compare 5-year cost FHA vs Conventional vs VA Compare loan types side by side. See which one costs less per month for your scenario and eligibility. Compare loan types Down Payment Timeline See how long it takes to save 3.5, 5, 10, or 20 percent down on your target home given what you can save monthly. Calculate timeline Closing Costs Calculator Estimate buyer or seller closing costs in MA, NH, or Maine. Includes state Transfer Taxes plus title, attorney, recording. Calculate closing costs Property Tax by Town See annual property tax for any Massachusetts, New Hampshire, or Maine town. Compare with neighboring towns. Calculate property tax MassHousing Eligibility Check which MassHousing first-time-buyer programs you qualify for: ONE Mortgage, MyMassMortgage, MI Plus, DPA. Check eligibility Homestead Act Savings See how much of your home equity is protected by Massachusetts, NH, or Maine Homestead law from most creditors. Calculate protection

Coming soon

Gold Coast is building a full library of mortgage calculators with Massachusetts, New Hampshire, and Maine-specific data: a rent-vs-buy calculator, a fixed-rate mortgage payment calculator with state-specific property tax overlays, and more. Check back, or sign up for our newsletter for updates.

Why state-specific calculators?

  • Property tax variance. Town-by-town swings of 2x to 3x within each state. In MA, Cambridge is about $5.86 per $1,000 of assessed value; Lynn is closer to $11.93. NH has wide town variance plus the statewide Education Property Tax. ME has the homestead exemption changing the effective rate by town. A generic national calculator can’t model this.
  • State first-time-buyer programs. MA has MassHousing’s MyMassMortgage, ONE Mortgage, and MassHousing Mortgage with MI Plus. NH has NHHFA Home Preferred, Home Preferred Plus, and Home Flex Plus. ME has MaineHousing First Home Loan with down-payment assistance. Each has eligibility rules and dollar impacts a generic calculator misses.
  • Homestead protection. Massachusetts automatically homesteads $125,000 of equity (up to $500,000 with declaration). New Hampshire homesteads $120,000 per individual ($240,000 per couple). Maine homesteads $80,000 per individual.
  • Transfer tax and closing costs. MA Deed Excise Tax is $4.56 per $1,000 of sale price. NH has a 1.5% Transfer Tax split between buyer and seller. ME has $2.20 per $500 split. All affect closing-day cash needed.

State-specific sub-hubs (coming)

As we publish more calculators, we’ll add per-state sub-hubs with deeper local detail:

  • /massachusetts-mortgage-calculators/: MassHousing program calcs, town property tax estimators
  • /new-hampshire-mortgage-calculators/: NHHFA Home Preferred eligibility, NH-specific transfer tax and closing-cost tools
  • /maine-mortgage-calculators/: MaineHousing First Home Loan eligibility, town property tax with homestead overlay

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