Last updated: May 6, 2026.
OwningCost is not a lender, broker, or financial advisor.
The information, calculators, articles, and other materials on OwningCost.com are for educational and informational purposes only. We do not originate mortgages, broker mortgages, sell real estate, or provide professional financial, tax, legal, or insurance advice. Nothing on this Site should be construed as a recommendation to take or refrain from any specific financial action.
Calculator outputs are estimates.
Every calculator on this Site computes results from the inputs you provide and the documented defaults. The outputs are estimates intended to support decision-making — they are not quotes, not guarantees, and not predictions of actual outcomes. Real-world mortgage rates, property tax bills, insurance premiums, HOA dues, closing costs, and selling costs depend on factors we cannot model from a few inputs, and they will vary from the figures shown.
Always verify with qualified professionals.
Before making any housing, financing, tax, legal, or insurance decision, consult qualified professionals: a licensed mortgage loan officer for rates and program eligibility, a licensed real-estate professional for market analysis, a CPA or tax attorney for tax implications, an insurance agent for coverage, and an attorney for legal review. Calculator outputs are a starting point, not a substitute for professional advice.
Default values reflect typical conditions, not your situation.
Default rates for property tax, insurance, PMI, maintenance, closing costs, selling costs, and other variables reflect national or regional averages documented on the Methodology page. Your actual numbers will differ. Whenever possible, override the defaults with values from a recent insurance quote, your county assessor's records, your lender's loan estimate, and your HOA's most recent budget.
Past performance and assumptions.
Where calculators reference appreciation rates, opportunity-cost rates, or rent-inflation rates, the defaults reflect long-run U.S. averages. Future performance may differ — substantially and in either direction — from the defaults. Sensitivity-test outputs by varying these inputs across a reasonable range.
No warranty of accuracy.
While we strive for accuracy, the Site, calculators, and content are provided "as is" without warranty of any kind. We do not guarantee the accuracy, completeness, or timeliness of any content, including default rates, formulas, or article information. Information may become outdated; rates, programs, and regulations change. See Terms of use for the complete disclaimer of warranties.
Independence and conflicts of interest.
OwningCost is independent. We are not paid by any lender, brokerage, insurance carrier, or financial product to recommend their services. We do not capture leads on behalf of third parties. We do not have an affiliate relationship with mortgage originators or real-estate brokerages. The default values, the calculator design, and the editorial content are not influenced by commercial considerations from third parties.
Reliance at your own risk.
Reliance on any information provided by OwningCost, our content authors, or others appearing on the Site is solely at your own risk. We will not be liable for any decision you make based on Site content. See the limitation-of-liability clause in our Terms of use.
Contact
Questions about this disclaimer or the methodology behind any calculator: hello@owningcost.com or the contact page.