Mortgage & Home
Estimate monthly payments, closing costs, refinancing savings and how much home you can afford with our free mortgage and home calculators. Every tool uses the exact amortization formula lenders use, so your principal-and-interest figure matches a real loan estimate.
Popular in this category: Mortgage Calculator, Mortgage Payment Calculator, Refinance Calculator
Mortgage Calculator
Estimate your monthly mortgage payment with taxes, insurance & PMI
Mortgage Payment Calculator
Calculate principal, interest, taxes and insurance (PITI)
Refinance Calculator
See if refinancing saves money and find your break-even point
Cash-Out Refinance Calculator
Estimate cash available and new payment from a cash-out refinance
HELOC Calculator
Estimate home equity line of credit payments and available credit
Home Equity Loan Calculator
Estimate how much you can borrow against your home equity
Reverse Mortgage Calculator
Estimate the lump sum or monthly payout from a reverse mortgage
VA Loan Calculator
Estimate VA loan payments including the VA funding fee
Down Payment Calculator
Calculate your down payment and resulting loan amount
Closing Cost Calculator
Estimate closing costs for buying or refinancing a home
Amortization Calculator
Generate a full loan amortization schedule month by month
Mortgage Payoff Calculator
See how extra payments shorten your mortgage and cut interest
Home Affordability Calculator
Find out how much house you can afford based on income & debt
Property Tax Calculator
Estimate annual property tax from home value and tax rate
PMI Calculator
Estimate private mortgage insurance cost and when it drops off
Rent vs. Buy Calculator
Compare the cost of renting versus buying a home over time
Biweekly Mortgage Calculator
See how biweekly payments shorten your mortgage and save interest
Mortgage Points Calculator
Find the break-even on paying discount points to lower your rate
FHA Loan Calculator
Estimate FHA loan payments with MIP and 3.5% down
LTV Calculator
Calculate your loan-to-value ratio
Home Sale Proceeds Calculator
Estimate your net proceeds after selling a home
Second Mortgage Calculator
Estimate payments on a second mortgage
Rent Affordability Calculator
Find out how much rent you can afford on your income
Price Per Square Foot Calculator
Calculate price per square foot for a home
About mortgage & home calculators
Which mortgage calculator should you use?
Start with the Mortgage Calculator for a full monthly payment including taxes, insurance and PMI, or the Mortgage Payment Calculator for a clean PITI breakdown. If you already own, the Refinance Calculator finds your break-even point, while the Home Affordability Calculator works backward from your income to a target price. Buyers still saving should pair the Down Payment and Closing Cost calculators.
What you need to enter
Most tools need four inputs: home price (or loan amount), down payment, interest rate and term. Property tax and homeowners insurance go in as annual dollar amounts or a percentage of value, and PMI applies whenever your down payment is under 20%. Have a recent loan estimate or property tax record handy for the tax and insurance lines.
A worked example
On a $400,000 home with 20% down, you borrow $320,000. At a 6.5% fixed rate over 30 years, the principal-and-interest payment is about $2,022.62 a month. Adding property tax and insurance typically pushes the full PITI payment several hundred dollars higher, which is why the figure here can differ from a lender quote that folds in escrow.
Frequently asked questions
Why is my lender's payment higher than this estimate?
Our core figure is principal and interest. Your lender's monthly payment also collects property tax, homeowners insurance and, below 20% down, PMI into an escrow account, so the total is usually a few hundred dollars more.
How much down payment do I need?
Conventional loans can go as low as 3% down, FHA loans require 3.5%, and VA loans allow 0% for eligible veterans. Putting 20% down removes PMI. Use the Down Payment Calculator to weigh the trade-off.
Do these calculators show my exact interest rate?
No. You enter the rate you were quoted. Your actual rate depends on credit score, loan type, down payment and market conditions, so get a current quote before relying on any figure.