Monthly mortgage payment calculator
Estimate a complete monthly payment with principal, interest, property taxes, homeowners insurance, mortgage insurance, and HOA fees.
Calculate a monthly paymentFree mortgage calculators
Make mortgage decisions with clearer numbers
Estimate a full monthly mortgage payment, explore how much home may fit your budget, compare refinance savings, or estimate a potential home equity line. Every assumption is visible and editable.
Choose the right calculator
Start with affordability when building a home-search budget, use the payment calculator for a specific purchase price, or compare a proposed refinance with the mortgage you have today, or use the HELOC tool to compare available equity with a desired line.
Home affordability calculator
Estimate a planning home price from gross income, required monthly debts, down payment, rate, term, taxes, insurance, and HOA fees.
Estimate home affordabilityRefinance savings calculator
Compare your current mortgage with a proposed refinance, including monthly payment change, closing-cost break-even, five-year cost, and long-term interest.
Compare refinance savingsHELOC calculator
Estimate current home equity, a CLTV-based potential line, combined loan-to-value, an amortizing payment, costs, and term assumptions.
Estimate a potential HELOCBuilt for useful estimates—not false precision
A mortgage payment is more than principal and interest. A useful estimate also considers property taxes, homeowners insurance, possible mortgage insurance, and HOA or condo fees. The calculators show each component separately.
Home affordability is not a universal approval formula. The affordability tool uses a transparent 50% total-DTI planning ceiling and makes the income, debts, and property-cost assumptions visible, while clearly separating an educational estimate from lender underwriting or preapproval.
Refinance savings are not determined by rate alone. The refinance tool separates payment savings, closing-cost break-even, selected-period borrowing cost, term extension, and cash out so a lower payment is not mistaken for guaranteed savings.
A potential HELOC depends on verified property value, existing liens, CLTV, state, occupancy, credit, income, debt, and current product terms. The HELOC tool uses visible planning assumptions and does not make an eligibility or approval decision.
Rates, taxes, insurance, fees, and loan-program requirements vary by borrower and location. For a personalized review, request a rate estimate or start a secure application.
Continue your mortgage research
Calculator disclosure
These tools are for educational and planning purposes only. Results are estimates and do not indicate approval or financing. They are not financial advice, a commitment to lend, or a guarantee of rates, payments, costs, or terms.