Mortgage Calculators

Estimate your monthly mortgage payment including principal, interest, property taxes, insurance, HOA, and PMI.

See the maximum home price you can responsibly afford based on income, debts, down payment, and current rates.

Calculate monthly savings, break-even point, and lifetime interest if you refinance your mortgage.

Mortgage calculator with extra payments to principal — see how much interest and time you save by adding an extra monthly principal payment.

Compare monthly payments and lifetime interest between a 15 year and 30 year mortgage at real rates.

Calculate the down payment, loan amount, and loan-to-value ratio for any home price — and see how far you are from the 20% threshold that avoids PMI.

Estimate the monthly cost of private mortgage insurance for a low-down-payment conventional loan, and when it auto-cancels.

Generate a full month-by-month amortization schedule for any mortgage, with the principal/interest split and running balance for every payment.

Estimate the upfront closing costs and total cash to close on a home — lender fees, title and escrow, prepaid taxes and insurance, recording, and custom line items.

Compare the true long-term cost of renting versus buying over your planned time horizon — including appreciation, taxes, maintenance, and the opportunity cost of the down payment.

Compare two mortgage scenarios side by side — different rates, terms, down payments, or loan amounts — to see which one actually costs less.

Estimate HELOC payments during the interest-only draw period and the amortized repayment period.

See how a lump-sum payment plus a recast lowers your monthly mortgage payment without changing your rate or term.

Compare an adjustable-rate mortgage against a fixed-rate mortgage, factoring in the ARM's post-adjustment rate.