Mortgage Calculators

Eleven tools to run your numbers — no email required, nothing saved.

Monthly Payment

Full PITI estimate — principal & interest, taxes, insurance, PMI and HOA.

Home Price ($) Down Payment (%) Interest Rate (%) Term (years) Annual Property Tax ($) blank = estimate Annual Insurance ($) blank = estimate HOA / month ($)

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estimated total monthly payment

APR Calculator

The interest rate sets your payment; the APR shows what the loan really costs once points and fees are folded in. It's the honest way to compare two offers.

Loan Amount ($) Interest Rate (%) Term (years) Points (% of loan) Lender Fees ($) origination, underwriting Other Prepaid Charges ($) mortgage insurance, prepaid interest

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estimated APR

Home Affordability

Uses the same 28/36 qualification rule lenders start from, including taxes, insurance and PMI.

Annual Household Income ($) Monthly Debt Payments ($) Down Payment ($) Interest Rate (%)

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estimated maximum home price

Debt-to-Income Check

The first number an underwriter looks at. Under 36% back-end is the classic target.

Monthly Gross Income ($) Monthly Debt Payments ($) Proposed Housing Payment ($)

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back-end DTI (all debts)

Refinance Savings

Monthly savings, break-even on closing costs, and what you'd save over the life of the loan.

Current Loan Balance ($) Current Monthly Payment ($, P&I) Years Left on Current Loan New Interest Rate (%) New Term (years) Estimated Closing Costs ($)

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estimated monthly savings

Amortization Schedule

Where each payment actually goes — principal vs. interest, month by month.

Loan Amount ($) Interest Rate (%) Term (years) Show

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monthly payment (P&I)

Month	Principal	Interest	Balance

Interest-Only Payment

Interest-only loans keep payments low for a set period — then the payment jumps when principal kicks in. See both numbers before you commit.

Loan Amount ($) Interest Rate (%) Interest-Only Period (years) Total Loan Term (years)

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monthly payment during the interest-only period

Cash to Close

The real number you'll need on closing day — not just the down payment.

Home Price ($) Down Payment (%) Closing Costs (% of loan) Earnest Money Paid ($) Inspection ($) Appraisal ($) Prepaids — taxes/insurance ($)

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estimated cash to close

PMI Calculator

Private mortgage insurance applies under 20% down — see what it costs and when it drops off.

Home Price ($) Down Payment (%) PMI Rate (%/yr)

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estimated monthly PMI

Extra Payments

What happens if you pay a little more each month?

Loan Balance ($) Interest Rate (%) Remaining Term (years) Extra Monthly Payment ($)

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total interest saved

Rent vs. Buy

A simple comparison of renting versus owning over time.

Monthly Rent ($) Home Price ($) Down Payment ($) Interest Rate (%) Years You'd Stay Annual Appreciation (%)

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These calculators provide estimates for educational purposes only and are not a loan offer or financial advice. Taxes, insurance, PMI and fees vary. For exact numbers, start an application or request a free quote.