Calculator link parameters | Crunch My Mortgage

How a link is built

Take the calculator's address and add a question mark, then name=value pairs separated by &. A name left out keeps that input's starting placeholder. Those placeholders are not market data.

Copy link writes only the inputs you changed, as plain numbers: 400000, not $400,000. A percent is the percent number, so 6.5 means 6.5%, not 0.065. Yes/no switches are 1 or 0. Numbers use at most four decimal places. A choice must be one of the values listed for that calculator.

A link may also use commas, a dollar sign, or a percent sign, and yes or true for a switch. Copy link itself always writes the plain form. An unknown name, or a choice that is not in the list, is ignored. Numbers are kept inside the range that input allows.

Where a down payment has both dollars (down) and a percent of the price (downPct), pass one of them. If both are in the link, the one written later is used and the other is calculated. Copy link writes only the side you edited last.

Opening the link fills the form, then the page removes the query from the address bar. Use Copy link again when you want a new shareable address. Nothing is stored. The calculator on this site is what produces the result. Your SI assistant (ChatGPT, Grok, Claude, etc.) can build a link from the names below.

Example of the format, using placeholders rather than a quote: https://crunchmymortgage.com/mortgage-payment-calculator/?price=400000&downPct=20

Mortgage payment

Full monthly payment with tax, insurance, PMI and HOA, plus the schedule.

Mortgage payment parameters
Parameter	Unit	What it sets
`price`	dollars	Home price
`down`	dollars	Down payment Or downPct. If both are present, the one later in the link is used.
`downPct`	percent of the home price	Down payment
`rate`	percent per year	Interest rate
`term`	years	Loan term
`tax`	dollars per year	Property tax
`ins`	dollars per year	Home insurance
`pmi`	percent of the loan per year	PMI rate
`hoa`	dollars per month	HOA dues

Home affordability

The price your income and debts support, with your own DTI limits.

Home affordability parameters
Parameter	Unit	What it sets
`income`	dollars per year	Gross annual income
`debts`	dollars per month	Other monthly debt payments
`down`	dollars	Cash for the down payment
`rate`	percent per year	Interest rate
`term`	years	Loan term
`taxRate`	percent of the price per year	Property tax rate
`ins`	dollars per year	Home insurance
`pmi`	percent of the loan per year	PMI rate
`hoa`	dollars per month	HOA dues
`front`	percent of gross monthly income	Front-end limit
`back`	percent of gross monthly income	Back-end limit

Debt-to-income ratio

Front-end and back-end DTI, and how much room is left.

Debt-to-income ratio parameters
Parameter	Unit	What it sets
`income`	dollars per year	Gross annual income
`housing`	dollars per month	Monthly housing payment
`auto`	dollars per month	Car loans or leases
`student`	dollars per month	Student loans
`cards`	dollars per month	Credit card minimums
`other`	dollars per month	Other loan payments
`support`	dollars per month	Child support or alimony you pay
`frontTarget`	percent of gross monthly income	Front-end target
`backTarget`	percent of gross monthly income	Back-end target

Loan A vs loan B

Two offers side by side over the years you will actually keep the loan.

Loan A vs loan B parameters
Parameter	Unit	What it sets
`aAmount`	dollars	Loan A amount
`aRate`	percent per year	Loan A rate
`aTerm`	years	Loan A term
`aPoints`	percent of the loan amount	Loan A points
`aFees`	dollars	Loan A other fees
`bAmount`	dollars	Loan B amount
`bRate`	percent per year	Loan B rate
`bTerm`	years	Loan B term
`bPoints`	percent of the loan amount	Loan B points
`bFees`	dollars	Loan B other fees
`horizon`	years	Years until you sell or refinance

Mortgage recast

Your new payment after a lump sum, and recast vs. simply prepaying.

Mortgage recast parameters
Parameter	Unit	What it sets
`amount`	dollars	Current balance
`rate`	percent per year	Interest rate
`term`	years (decimals allowed)	Years remaining
`lump`	dollars	Lump sum toward principal
`fee`	dollars	Recast fee

Points break-even

How many months until discount points pay for themselves.

Points break-even parameters
Parameter	Unit	What it sets
`amount`	dollars	Loan amount
`term`	years	Loan term
`rate`	percent per year	Rate without points
`pointsRate`	percent per year	Rate with points
`points`	points (1 point costs 1% of the loan)	Points
`horizon`	years	Years you expect to keep the loan

Temporary buydown

Year-by-year payments and the total cost of a 2-1 or 3-2-1 buydown.

Temporary buydown parameters
Parameter	Unit	What it sets
`amount`	dollars	Loan amount
`rate`	percent per year	Note rate
`term`	years	Loan term
`type`	one of the values below	Buydown type `3-2-1` 3-2-1 `2-1` 2-1 `1-1` 1-1 `1-0` 1-0

Extra payments

How extra principal shortens the loan and the interest it saves.

Extra payments parameters
Parameter	Unit	What it sets
`amount`	dollars	Loan balance
`rate`	percent per year	Interest rate
`term`	years	Years remaining
`extra`	dollars per month	Extra every month
`lump`	dollars	One-time amount
`lumpAt`	payment number (1 is the next payment)	One-time payment number
`yearly`	dollars per year	Extra once a year
`goal`	years	Debt-free in 0 turns this off.

Biweekly payments

Half a payment every two weeks versus monthly: time and interest saved.

Biweekly payments parameters
Parameter	Unit	What it sets
`amount`	dollars	Loan balance
`rate`	percent per year	Interest rate
`term`	years	Years remaining

Interest-only and HELOC

Interest-only or draw-period payments and the jump when repayment starts.

Interest-only and HELOC parameters
Parameter	Unit	What it sets
`amount`	dollars	Amount borrowed
`rate`	percent per year	Interest rate
`io`	years	Interest-only or draw period 0 means there is no interest-only period.
`repay`	years	Repayment period

Refinance break-even

When a refinance pays for itself, counting costs and balance.

Refinance break-even parameters
Parameter	Unit	What it sets
`amount`	dollars	Current balance
`rate`	percent per year	Current rate
`term`	years	Years left
`newRate`	percent per year	New rate
`newTerm`	years	New term
`costs`	dollars	Closing costs
`pay`	cash or roll	Closing costs are `cash` Paid at closing `roll` Added to the loan

PMI removal date

When your balance reaches 80% and 78% of the original value.

PMI removal date parameters
Parameter	Unit	What it sets
`value`	dollars	Original home value
`amount`	dollars	Original loan amount
`rate`	percent per year	Interest rate
`term`	years	Loan term
`extra`	dollars per month	Extra principal
`premium`	dollars per month	PMI premium
`start`	YYYY-MM	First payment month Optional. Leave it off for payment numbers only.

ARM payment change

Your payment after the fixed period, with the caps you enter.

ARM payment change parameters
Parameter	Unit	What it sets
`amount`	dollars	Loan amount
`rate`	percent per year	Start rate
`term`	years	Loan term
`fixed`	years	Fixed period `3` 3 years `5` 5 years `7` 7 years `10` 10 years
`adjust`	months	Then adjusts every `6` 6 months `12` 12 months
`newRate`	percent per year	Rate you expect (index + margin)
`capInitial`	percentage points	Initial cap
`capPeriodic`	percentage points	Periodic cap
`capLifetime`	percentage points	Lifetime cap

Rent vs buy

Net worth after renting or buying, over the years you plan to stay.

Rent vs buy parameters
Parameter	Unit	What it sets
`price`	dollars	Home price
`downPct`	percent of the home price	Down payment
`rate`	percent per year	Interest rate
`term`	years	Loan term
`rent`	dollars per month	Monthly rent
`rentGrowth`	percent per year	Rent increase
`years`	years	Years you would stay
`appreciation`	percent per year	Home price growth
`invest`	percent per year	Investment return
`closing`	percent of the price	Closing costs
`selling`	percent of the sale price	Cost to sell
`taxRate`	percent of the home's value per year	Property tax
`maint`	percent of the home's value per year	Maintenance
`ins`	dollars per year	Home insurance
`hoa`	dollars per month	HOA dues
`pmi`	percent of the loan per year	PMI rate
`rentersIns`	dollars per month	Renters insurance

Cash to close

Down payment, fees, prepaids and escrow, minus credits.

Cash to close parameters
Parameter	Unit	What it sets
`price`	dollars	Home price
`down`	dollars	Down payment Or downPct. If both are present, the one later in the link is used.
`downPct`	percent of the home price	Down payment
`rate`	percent per year	Interest rate
`lenderFees`	dollars	Lender fees
`points`	percent of the loan	Discount points
`thirdParty`	dollars	Third-party services
`govFees`	dollars	Recording fees and transfer taxes
`ins`	dollars per year	Home insurance
`tax`	dollars per year	Property tax
`days`	days	Prepaid interest
`escrowMonths`	months	Escrow deposit
`sellerCredit`	dollars	Seller credit
`lenderCredit`	dollars	Lender credit
`earnest`	dollars	Earnest money already paid

FHA mortgage insurance

Upfront and annual MIP from HUD's published table.

FHA mortgage insurance parameters
Parameter	Unit	What it sets
`price`	dollars	Home price
`down`	dollars	Down payment Or downPct. If both are present, the one later in the link is used.
`downPct`	percent of the home price	Down payment
`rate`	percent per year	Interest rate
`term`	years	Loan term
`finance`	1 for yes, 0 for no	Add the upfront premium to the loan

VA funding fee

The fee for your loan type, use and down payment, from VA's table.

Purchase, Native American Direct Loan purchase, and manufactured home use price, down, and downPct. The other loan types use amount. use applies to purchase and cash-out.

VA funding fee parameters
Parameter	Unit	What it sets
`type`	one of the values below	Loan type `purchase` Purchase or construction `cashout` Cash-out refinance `irrrl` Interest rate reduction refinance (IRRRL) `assumption` Loan assumption `manufactured` Manufactured home (not permanently affixed) `nadl-purchase` Native American Direct Loan, purchase `nadl-refinance` Native American Direct Loan, refinance
`use`	first or subsequent	Use of the VA home loan benefit `first` First use `subsequent` Subsequent use
`price`	dollars	Purchase price
`down`	dollars	Down payment Or downPct. If both are present, the one later in the link is used.
`downPct`	percent of the purchase price	Down payment
`amount`	dollars	Loan amount
`exempt`	1 for yes, 0 for no	Exempt from the funding fee
`finance`	1 for yes, 0 for no	Add the fee to the loan

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