Mortgage Calculators

Free, professional mortgage calculators to help you estimate payments, savings, and affordability. Get instant results for any scenario.

Mortgage Payment Calculator

Calculate your monthly mortgage payment including principal, interest, taxes, insurance, and HOA fees.

Home Price / Loan Amount

Down Payment

Interest Rate (%)

Loan Term (years)

Annual Property Taxes

Annual Home Insurance

Monthly HOA Fees

Total Monthly Payment

Principal & Interest

Property Taxes (monthly)

Home Insurance (monthly)

HOA Fees

Important Disclaimer

This calculator provides estimates only and is not a loan offer or commitment to lend. Actual rates, payments, and terms are subject to credit approval and property appraisal. Results are for educational purposes only. Consult with a licensed mortgage professional for accurate quotes.

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HELOC / HELOAN Payment Calculator

Estimate your monthly payments for a Home Equity Line of Credit (HELOC) or Home Equity Loan (HELOAN).

Home Value

Current Mortgage Balance

Desired HELOC/HELOAN Amount

Interest Rate (%)

Loan Type

Repayment Term (years)

Estimated Monthly Payment

Available Equity

Combined LTV

Total Interest Paid

Important Disclaimer

This calculator provides estimates only. HELOC rates are variable and may change over time. Actual available equity depends on lender requirements (typically 80-90% CLTV max). Not a commitment to lend. Subject to credit approval and property appraisal.

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Home Affordability Calculator

Determine how much home you can afford based on your income, debts, and down payment.

Annual Gross Income

Monthly Debt Payments Include car loans, credit cards, student loans, etc.

Down Payment Available

Interest Rate (%)

Loan Term (years)

Estimated Monthly Property Tax + Insurance

Maximum Home Price

Maximum Loan Amount

Estimated Monthly Payment

Front-End DTI Ratio

Back-End DTI Ratio

Important Disclaimer

This calculator uses standard 28/43 DTI ratios (28% front-end, 43% back-end). Actual approval depends on credit score, employment history, assets, and lender guidelines. Some loan programs allow higher DTI ratios. Not a commitment to lend.

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Refinance Break-Even Calculator

Determine how long it will take to recoup your refinancing costs through monthly savings.

Current Loan Balance

Current Interest Rate (%)

New Interest Rate (%)

Remaining Term (years)

Total Refinancing Costs Include closing costs, appraisal, title fees, etc.

Break-Even Point

Current Monthly Payment

New Monthly Payment

Monthly Savings

Lifetime Interest Savings

Important Disclaimer

This calculator provides estimates only. Actual savings depend on your specific situation, loan terms, and how long you keep the loan. Consider your plans to stay in the home when deciding to refinance. Not a commitment to lend.

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Cash-Out Refinance Calculator

See how much cash you can access and what your new payment would be with a cash-out refinance.

Current Home Value

Current Mortgage Balance

Desired Cash Out Amount

New Interest Rate (%)

New Loan Term (years)

New Monthly Payment

New Loan Amount

Cash to You

New LTV Ratio

Maximum Available Cash-Out

Important Disclaimer

Most lenders allow cash-out refinancing up to 80% LTV (some programs allow up to 90%). Actual available cash depends on credit, income, and property type. Closing costs will be added to the loan. Not a commitment to lend.

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Use your home equity for renovations, debt consolidation, or any major expense

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Extra Payment / Early Payoff Calculator

See how extra monthly or annual payments can save you interest and shorten your loan term.

Current Loan Balance

Interest Rate (%)

Remaining Term (years)

Extra Monthly Payment

Extra Annual Payment E.g., tax refund, bonus, etc.

Total Interest Savings

Years Saved

New Payoff Date

Regular Payment

New Payment (w/ extra)

Important Disclaimer

This calculator assumes extra payments are applied directly to principal. Check with your lender about their extra payment policy and whether prepayment penalties apply. Results are estimates for educational purposes only.

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