Loading the page…
Use these when you want a number you can argue with. One tool prices a payment. Another starts from your income. A third asks whether refinancing actually pays for itself. They run in your browser, and the assumptions are labeled. None of this is an application.
Estimate a US mortgage payment with principal, interest, taxes, insurance, HOA, and PMI. See the payoff date and amortization schedule.
Build a monthly or annual mortgage amortization schedule, with an optional extra payment and a CSV download.
Compare a monthly mortgage with 26 half-payments a year, which equal 13 full monthly payments.
Estimate a home price from income and monthly debts using the 28/36 guideline, with taxes, insurance, and PMI labeled as assumptions.
Calculate front-end and back-end DTI from gross income, a proposed housing payment, and your other monthly debts.
Compare 5%, 10%, 15%, and 20% down. See cash required, the loan amount, the payment, and whether estimated PMI applies.
Estimate an FHA principal-and-interest payment with a 1.75% upfront MIP and annual MIP rates from HUD Mortgagee Letter 2023-05.
Estimate a VA principal-and-interest payment and funding fee. The fee is waived in the model only if you mark an exemption.
Estimate a USDA guaranteed loan payment using planning assumptions of a 1% upfront fee and a 0.35% annual fee.
Compare your current mortgage payment with a new rate and term. Break-even appears only when the new payment is lower.
Compare your current payoff path with an extra monthly payment or a one-time payment. See the new date and interest saved.
Estimate monthly PMI and when a conventional loan balance would reach 80% and 78% of the original value.
Add up editable estimates for origination, appraisal, title, recording, and other closing costs. A state name labels the estimate only.
Estimate the upfront cost of discount points, the lower payment, and the break-even month.
Estimate home equity in dollars and percent, plus borrowing room under a combined loan-to-value assumption you choose.
Compare the net worth of renting and buying under assumptions you set for appreciation, rent growth, and investment return.
Compare two or three mortgage offers side by side on payment, loan amount, interest, total cost, and payoff date.
Compare an ARM's initial payment with a payment you want to test after the first adjustment, limited by periodic and lifetime caps.
These are worked examples, not a second set of calculators. Open one, then change the rate if the quote in your hand is different.
These pages explain one assumption at a time: the down payment, taxes and insurance, or PMI.
These estimates use a 28/36 guideline. They are not a pre-approval.