Free Mortgage Calculators
Estimate monthly payments, calculate buying power, compare loan programs, and analyze investment properties with our full suite of free mortgage calculators.
Buying a Home
Mortgage Payment Calculator
Estimate your full PITI payment — principal, interest, taxes, insurance, and PMI.
Use calculator →How Much House Can I Afford?
Calculate your buying power based on income, debts, and down payment with full DTI analysis.
Use calculator →Closing Cost Calculator
Estimate total cash to close including lender fees, title, escrow, taxes, and insurance prepaids.
Use calculator →Debt-to-Income Calculator
Calculate your front-end and back-end DTI and see whether you meet qualifying limits by loan type.
Use calculator →Amortization Schedule
View a complete year-by-year breakdown of principal, interest, and remaining balance.
Use calculator →Rent vs. Buy Calculator
Compare the 5 and 10-year net financial position of renting vs. buying a home.
Use calculator →Government & Program-Specific Calculators
FHA Loan Calculator
Calculate FHA payment including upfront MIP (1.75%) and annual mortgage insurance premium.
Use calculator →VA Loan Calculator
Calculate VA loan payment with no PMI. Includes VA funding fee calculation by service type.
Use calculator →USDA Loan Calculator
Zero down payment USDA loan calculator with guarantee fee and annual fee included.
Use calculator →Refinancing & Home Equity
Refinance Calculator
Calculate monthly savings, total interest savings, and break-even point for your refinance.
Use calculator →Extra Payment Calculator
See how extra monthly, annual, or lump sum payments reduce your loan balance and save interest.
Use calculator →HELOC Calculator
Estimate your available credit line, draw period payment, and repayment period payment.
Use calculator →Real Estate Investor Calculators
DSCR Loan Calculator
Calculate debt service coverage ratio and determine if a rental property qualifies for a DSCR loan.
Use calculator →Bank Statement Loan Calculator
Estimate qualifying income using 12 or 24 months of deposits for self-employed borrowers.
Use calculator →Commercial Loan Calculator
Analyze commercial real estate loan payment, LTV, NOI, and DSCR for income-producing properties.
Use calculator →Choosing the Right Mortgage Calculator
If you are just starting to think about buying a home, the Payment Calculator and the Affordability Calculator are usually the best starting point. The Payment Calculator shows what a specific home price and loan would cost you each month, while the Affordability Calculator works backward from your income and debts to estimate a realistic price range before you start looking at listings.
Once you have a specific purchase or refinance scenario in mind, the Closing Cost Calculator and Amortization Calculator can help you understand the full picture, including upfront cash needed and how your balance shrinks over time. Homeowners considering paying off their mortgage faster or tapping into home equity may find the Extra Payment Calculator and HELOC Calculator more relevant.
Self-employed borrowers and real estate investors often need different qualification paths than a standard conventional loan. The Bank Statement Loan Calculator and DSCR Loan Calculator are built specifically for those situations, while the Commercial Loan Calculator addresses larger income-producing properties and business real estate.
If you are unsure which loan program fits your situation, the FHA, VA, and USDA calculators each reflect the specific fees and insurance requirements of their respective government-backed programs, and comparing them side by side against a conventional Payment Calculator estimate can help clarify which option may work best for your down payment and credit profile.
For general guidance on the homebuying process from start to finish, see the Consumer Financial Protection Bureau’s homebuying resource hub.
