Mortgage Calculators

Determine your monthly payment and full amortization schedule. Enter loan amount, rate, and term to see your complete principal and interest breakdown.

Find out how much home you can afford. Enter your income, debts, and down payment to determine the maximum mortgage you qualify for.

Enter the home purchase price and down payment to instantly calculate your monthly payment and full amortization schedule.

Estimate total purchase costs -- closing fees, prepaid items, and down payment -- so there are no surprises at the closing table.

Calculate your complete monthly PITI payment -- principal, interest, property taxes, and homeowner's insurance -- plus amortization.

Are you better off buying or renting? Compare the true long-term costs of each to find the right decision for your situation.

Compare a 15-year and 30-year mortgage side by side -- monthly payments, total interest, and equity build-up.

Compare a 20-year and 30-year mortgage to weigh lower monthly payments against long-term interest costs.

Compare a fixed-rate mortgage to a fully amortizing adjustable-rate mortgage to see which best fits your timeline.

Compare a fixed-rate mortgage to both a fully amortizing ARM and an interest-only ARM all at once.

Understand the payment differences and long-term cost implications of a fixed-rate versus interest-only mortgage.

Should you refinance? Determine your break-even point and total savings from refinancing to a new rate or term.

Save thousands in interest by increasing your monthly payment. Calculate your new payoff date and total savings.

See exactly how much interest you can save by refinancing and how quickly you'll break even on the costs of the new loan.

Paying biweekly adds one extra payment per year. See how much sooner you'll pay off your mortgage and how much interest you'll save.

Already have a mortgage? Calculate the savings from switching to a biweekly payment schedule on your existing loan balance.

Determine whether rolling high-interest debt into a mortgage refinance makes financial sense for your situation.

Determine your ARM payments over time, factoring in the initial rate, adjustment periods, caps, and rate change scenarios.

Interest-only ARMs offer very low initial payments but don't reduce principal. Model your payments before and after the IO period ends.

Calculate the true APR on your adjustable-rate mortgage, accounting for fees and the projected rate path over the loan's life.

See how a minimum payment on an Option ARM can lower your monthly outlay -- and understand the deferred interest implications.

Generate a full amortization schedule for an interest-only mortgage, including the transition to principal-and-interest payments.

Balloon mortgages offer lower initial payments with a lump-sum due at term end. Determine if this structure fits your financial plans.

See how the outstanding balance of a reverse mortgage can grow over time. Essential for homeowners 62+ exploring HECM options.

Calculate your FHA loan amount, required down payment, MIP, and total cash needed to complete an FHA-financed home purchase.

Calculate your exact monthly fixed-rate payment and view a complete amortization schedule for every payment.

Determine the effective blended interest rate when using a first and second mortgage together to finance a home purchase.

Compare a single mortgage against a first-and-second combination to see which financing structure costs less overall.

Determine your maximum mortgage amount and see how different interest rates affect how much you can borrow.

How much income do you need to qualify? Enter your target loan amount and rate to find the minimum income lenders require.

Calculate your total monthly payment including estimated Private Mortgage Insurance -- essential for buyers putting less than 20% down.

Estimate your closing costs and net proceeds from the sale of a home, including commissions, title fees, and other seller expenses.

Calculate the true Annual Percentage Rate on your mortgage by factoring in points, origination fees, and other loan costs.

Should you buy discount points? Calculate how long it takes to recoup the upfront cost through lower monthly payments.

Mortgage interest and points are tax deductible. Calculate how much your mortgage could save you in federal income taxes.