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Mortgage Calculators

Plan your home purchase with free mortgage calculators. Estimate monthly payments, compare loan options, and get personalized insights.

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Mortgage Calculator

Calculate your monthly mortgage payment with PMI, taxes, insurance, and HOA. See the full amortization schedule.

Compare your current mortgage with a refinance offer. See monthly savings, break-even point, and net savings.

Find out how much house you can afford based on your income, debts, down payment, and the 28/36 rule.

Calculate FHA loan payments including upfront MIP (1.75%) and annual MIP. See total monthly payment with taxes and insurance.

Estimate VA loan payments with funding fee (2.3% first use, 3.6% subsequent). Zero down payment option for veterans.

Calculate USDA rural development loan payments with guarantee fee (1%) and annual fee (0.35%). Zero down for eligible rural areas.

Compare adjustable-rate mortgage (ARM) payments. See initial rate period and worst-case adjustment scenario.

Analyze rental property cash flow, cap rate, and cash-on-cash return. Includes vacancy, maintenance, and property management.

Calculate jumbo loan payments for amounts exceeding conforming limits ($766,550 in 2024). See monthly payment and total interest.

Calculate your mortgage refinance break-even point. See monthly savings, months to recover closing costs, and total net savings.

Calculate physician mortgage payments with no PMI up to $1M and waived DTI ratio. See monthly payment, total interest, and DTI savings.

Calculate HECM reverse mortgage payments. See line of credit, tenure payment, and lump sum amounts based on age, home value, and rate.