Mortgage calculators

Each tool has its own page, shows its assumptions, and runs in your browser. None of them asks you to apply for a loan.

• Mortgage Payment Calculator

  Estimate a US mortgage payment with principal, interest, taxes, insurance, HOA, and PMI. See the payoff date and amortization schedule.

• Mortgage Affordability Calculator

  Estimate a home price from income and monthly debts using the 28/36 guideline, with taxes, insurance, and PMI labeled as assumptions.

• Amortization Calculator

  Build a monthly or annual mortgage amortization schedule, with an optional extra payment and a CSV download.

• Mortgage Payoff Calculator

  Compare your current payoff path with an extra monthly payment or a one-time payment. See the new date and interest saved.

• Mortgage Refinance Calculator

  Compare your current mortgage payment with a new rate and term. Break-even appears only when the new payment is lower.

• Rent vs Buy Calculator

  Compare the net worth of renting and buying under assumptions you set for appreciation, rent growth, and investment return.

• Down Payment Calculator

  Compare 5%, 10%, 15%, and 20% down. See cash required, the loan amount, the payment, and whether estimated PMI applies.

• Mortgage Points Calculator

  Estimate the upfront cost of discount points, the lower payment, and the break-even month.

• FHA Loan Calculator

  Estimate an FHA principal-and-interest payment with a 1.75% upfront MIP and annual MIP rates from HUD Mortgagee Letter 2023-05.

• VA Loan Calculator

  Estimate a VA principal-and-interest payment and funding fee. The fee is waived in the model only if you mark an exemption.

• USDA Loan Calculator

  Estimate a USDA guaranteed loan payment using planning assumptions of a 1% upfront fee and a 0.35% annual fee.

• Closing Cost Calculator

  Add up editable estimates for origination, appraisal, title, recording, and other closing costs. A state name labels the estimate only.

• Debt-to-Income Calculator

  Calculate front-end and back-end DTI from gross income, a proposed housing payment, and your other monthly debts.

• Home Equity Calculator

  Estimate home equity in dollars and percent, plus borrowing room under a combined loan-to-value assumption you choose.

• ARM Calculator

  Compare an ARM's initial payment with a payment you want to test after the first adjustment, limited by periodic and lifetime caps.

• PMI Calculator

  Estimate monthly PMI and when a conventional loan balance would reach 80% and 78% of the original value.

• Biweekly Mortgage Payment Calculator

  Compare a monthly mortgage with 26 half-payments a year, which equal 13 full monthly payments.

• Compare Mortgage Scenarios

  Compare two or three mortgage offers side by side on payment, loan amount, interest, total cost, and payoff date.