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 →