Mortgage calculators

Calculate monthly mortgage payments, total interest, and see a full amortization schedule.

Compare your current mortgage to a refinance offer and find the break-even point on closing costs.

Calculate your debt-to-income ratio - the key number mortgage and loan lenders use to assess affordability.

See how much time and interest an extra monthly payment saves on your mortgage.

See how switching to biweekly mortgage payments shortens your payoff time.

See the real all-in monthly cost of owning a home - mortgage, tax, insurance, PMI, HOA, and maintenance combined.

Estimate the home price you may be able to afford from income, debts, down payment, taxes, insurance, and DTI limits.

Estimate buyer closing costs, prepaid expenses, lender fees, title charges, and cash needed to close.

Estimate private mortgage insurance cost from home price, down payment, LTV, and annual PMI rate.

Compare discount points against monthly payment savings and break-even time.

Estimate FHA mortgage payment with upfront MIP, annual MIP, taxes, insurance, and HOA.

Estimate VA mortgage payment with funding fee, zero-down assumptions, taxes, and insurance.

Estimate available reverse mortgage proceeds from home value, principal limit, payoff, and closing costs.

Estimate new lower monthly payment after a lump-sum principal payment and mortgage recast.

Estimate combined payment for an 80-10-10 piggyback loan structure to avoid PMI.

Estimate monthly payment and remaining balloon balance due at the end of a balloon mortgage term.

Estimate the cost of extending a mortgage rate lock period from daily extension fee assumptions.

Estimate reduced payments in years 1 and 2 of a 2-1 mortgage rate buydown and total buydown cost.

Compare non-qualified mortgage loan payment against a comparable qualified mortgage rate.

Estimate interest-only construction phase cost and permanent loan payment for a one-time-close construction loan.

Calculate monthly payment for a non-conforming portfolio loan held by the lender rather than sold.

Estimate cash available and new payment from a VA cash-out refinance including the funding fee.

Estimate monthly savings from an FHA or VA streamline refinance with reduced documentation requirements.

Compare a no-closing-cost refinance rate against a traditional refinance to find the true break-even.

Compare monthly payment and total cost between recasting your current mortgage and refinancing.

Estimate remaining down payment needed after applying a down payment assistance grant or loan.

Estimate combined purchase-plus-renovation loan amount and payment for an FHA 203k loan.

Calculate combined debt-to-income ratio for co-borrowers and available room for additional housing debt.

Estimate monthly savings from assuming an existing below-market mortgage rate versus a new loan at current rates.

Compare private lender loan cost including points against a comparable conventional mortgage rate.

Project future HECM line of credit growth based on the line-of-credit growth rate feature.

Calculate monthly repayment amount needed to cover a mortgage escrow account shortage.

Estimate USDA mortgage payment, guarantee fee, eligible financing amount, and monthly rural-home affordability pressure.

Calculate mortgage APR from note rate, lender fees, discount points, closing costs, and loan term.

Estimate the total cash needed at closing from down payment, fees, prepaid items, credits, and escrow deposits.

Estimate first-home affordability, upfront cash, monthly payment, reserves, and down-payment assistance context.

Estimate monthly property-tax escrow from assessed value, tax rate, due dates, and lender cushion assumptions.

Estimate mortgage insurance cost from loan type, down payment, loan balance, premium rate, and cancellation point.

Estimate refinance fees, prepaid items, lender credits, breakeven point, and cash needed to close.

Estimate cash-out refinance proceeds, new payment, closing costs, and break-even impact.

Estimate jumbo mortgage payment, reserves, down payment, and monthly housing cost.

Estimate ARM payment changes, initial savings, rate caps, and payment shock risk.

Estimate interest-only payment, future principal payment, and total interest exposure.

Estimate prepayment penalty cost and whether early payoff or refinance still makes sense.

Estimate temporary or permanent buydown savings, upfront cost, and break-even period.

Estimate monthly escrow for property tax, homeowners insurance, PMI, and cushion requirements.

Estimate down payment target, PMI threshold, cash to close, and savings timeline.

Estimate buyer closing costs from loan amount, prepaid taxes, insurance, title, and lender fees.

Estimate income needed to qualify for a target home price using DTI and housing costs.

Compare two mortgage scenarios by payment, fees, interest cost, and long-term affordability pressure.

Estimate payoff date, remaining interest, and savings from extra principal payments.

Estimate second-home mortgage payment, reserves, DTI pressure, and total housing burden.

Compare two home loan offers by payment, fees, points, APR pressure, and total interest.

Estimate principal, interest, remaining balance, and amortization milestones over a mortgage term.

Estimate potential mortgage-interest tax deduction value from interest paid and marginal rate.

Estimate when loan-to-value may reach a PMI removal threshold from balance, value, and payments.

Estimate renovation return, resale value lift, project cost recovery, and equity impact.

Estimate affordable rent from income, debts, savings target, utilities, and renter insurance.

Estimate HELOC draw payment, interest-only phase, repayment phase, and equity cushion.

Estimate housing affordability for fellows or researchers with stipend income, debt, and unstable funding.

Estimate rent or mortgage burden from stipend, fees, taxes, healthcare, and required savings buffer.

Estimate sabbatical housing budget from temporary income, home costs, travel, and reserve requirements.

Estimate relocation housing affordability from offer salary, moving costs, rent, mortgage, and local taxes.