Mortgage Calculators

Every calculator in one place — pick a tool below, or open any of them on its own page from the cards above.

Three Homes, Side By Side

Scenario A

Est. monthly payment —

Purchase Price Down Payment (%)

Loan Amount Down Payment ($)

Interest Rate Loan Term

Property Taxes / yr Home insurance / yr

Mortgage Insurance / mo HOA Dues / mo

Scenario B

Est. monthly payment —

Purchase Price Down Payment (%)

Loan Amount Down Payment ($)

Interest Rate Loan Term

Property Taxes / yr Home insurance / yr

Mortgage Insurance / mo HOA Dues / mo

Scenario C

Est. monthly payment —

Purchase Price Down Payment (%)

Loan Amount Down Payment ($)

Interest Rate Loan Term

Property Taxes / yr Home insurance / yr

Mortgage Insurance / mo HOA Dues / mo

Payment Breakdown	Scenario A	Scenario B	Scenario C
Down Payment Purchase price minus loan amount	—	—	—
P&I	—	—	—
Taxes	—	—	—
Home Ins	—	—	—
Mortgage Ins	—	—	—
HOA	—	—	—
Estimated Total Monthly Payment	—	—	—

Discuss My Options

For illustrative purposes only. The interest rates shown do not constitute an offer to lend. Actual rates, payments, taxes, insurance, mortgage insurance, HOA dues, closing costs, eligibility, and loan terms may vary.

Your Mortgage

Enter your current loan details.

Original Loan Amount

Interest Rate

Original Loan Term

First Payment Date

Current Principal Balance

Use your latest mortgage statement for the most accurate numbers.

Choose a Payment Strategy

Select one or more strategies to combine. Results update as you go.

One-time lump-sum principal payment Make a one-time extra payment to reduce your balance. Extra principal every month Add an amount to your regular payment each month.

Payment frequency Choose how often you'll make payments. Monthly One full payment per month. Biweekly (every two weeks) 26 half-payments per year.

Your Potential Savings

Based on your loan details and selected strategy.

Time Saved

—

Interest Saved

—

Original payoff date

—

New payoff date

—

	Original	New plan
Total Interest	—	—
Total Payments	—	—

Try different strategies to see how much sooner you could pay off your loan and how much you could save.

Discuss My Options

Scenario Comparison

Each saved plan reflects the strategies you had selected when you saved it.

Scenario	One-Time Payment	Extra Each Month	Frequency	Payoff Date	Time Saved	Total Interest	Interest Saved	Total Payments

Estimates are for informational purposes only and assume all payments are made as scheduled. Contact your loan servicer to confirm how additional principal payments will be applied and whether any special instructions or restrictions apply.

Current Loan

Tell us about your current mortgage.

Original Loan Amount

Original Term

Current Balance

Remaining Term

Current Interest Rate

Mortgage Insurance

New Loan

Enter the details for the new loan you're considering.

New Interest Rate

New Term

This is a cash-out refinance Borrow more than your current balance and take the difference in cash.

Closing Costs

Mortgage Insurance

Roll closing costs into the loan Adds the closing costs to the new loan amount instead of paying upfront.

Taxes, Insurance & HOA

These amounts stay the same before and after refinancing — same house, same county, same HOA.

Property Taxes

Home insurance

HOA Dues

Your Refinance Snapshot

Based on the information you entered

Current total payment (mo)

—

New total payment (mo)

—

Monthly savings

— /mo

Break-even point

—

New loan amount

—

	Current	New
Total interest remaining	—	—

Discuss My Options

Estimated payments include principal, interest, property taxes, homeowners insurance, mortgage insurance, and HOA dues entered above. Actual amounts may vary.

The estimated break-even point shows how long it may take for the monthly savings to offset the closing costs. Financing closing costs reduces the amount due upfront but increases the new loan balance and may result in additional interest over the life of the loan.

Renting

Tell us about your current or expected rental situation.

Monthly Rent

Annual Rent Increase

Renter's Insurance

Investment Assumption

Investment Return Rate

What your down payment and closing costs could earn if invested instead of used to buy — this is what renting is credited with.

Buying

Tell us about the home you're considering and your financing details.

Home Price

Down Payment

Interest Rate

Loan Term

Closing Costs

Ongoing Costs

Property Taxes

Home insurance

HOA Dues

Mortgage Insurance

Maintenance

Assumptions

Home Appreciation

Selling Costs

Your Snapshot

Years you plan to stay

Break-even point

—

Initial rent (mo)

—

Initial buying payment (mo)

—

Net cost of renting

—

Net cost of buying

—

Discuss My Options

For illustrative purposes only. Results are estimates based on the information entered and assumptions including rent increases, home appreciation, investment returns, maintenance, selling costs, taxes, insurance, and loan terms. Actual costs, property values, investment returns, and market conditions may vary. This calculator does not constitute financial, tax, legal, or lending advice or a commitment to lend.

Typical Estimate Expanded Estimate

Typical: 31% housing / 43% total debt | Expanded: 40% housing / 50% total debt

Your Finances

Enter your income, down payment, and loan details to see how much home you may be able to afford.

Annual Gross Income

Down Payment

Interest Rate

Loan Term

Include taxes, insurance & HOA

Property Taxes

Home insurance

HOA Dues

Mortgage Insurance

Monthly Debts

Include your recurring debts to get a more accurate estimate.

Auto Loans

Student Loans

Credit Cards

Other Debts & Liabilities

Keep in Mind

This calculator uses general debt-to-income guidelines to estimate potential buying power. The Typical Estimate uses 31% housing and 43% total debt. The Expanded Estimate uses up to 40% housing and 50% total debt.

Results are for illustrative purposes only and do not constitute prequalification, preapproval, or a commitment to lend. Actual eligibility and purchasing power depend on verified income, assets, credit, debts, property expenses, loan program requirements, and underwriting findings.

Property taxes, homeowners insurance, mortgage insurance, and HOA dues are based on the amounts entered and may vary by property and location.

Shopping For A Home

Already A Homeowner

Selling

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Mortgage Calculators

Loan Details

Estimated Monthly Payment

Three Homes, Side By Side

Loan Details

Your Mortgage

Choose a Payment Strategy

Current Loan

New Loan

Taxes, Insurance & HOA

Estimated Net Proceeds

Estimated Net Proceeds

Renting

Buying

Your Finances

Monthly Debts

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