having a problem

I have sometype of fungus on the bottom of my toe it's yellow slightly puff, it dosen't itch at all but feels like a pimp but, its  not i looked at it and on the top i can see little black specks. on the other foot it seem the skin has a little hole in it and the skin is a little clear. i have not gone to see a professional yet but would like a quote on what it may be. like i said i doesn't hurt unless i add pressure.  

[Yena H Do, DPM]

it sounds like a wart.