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Free mortgage calculators · Estimates only
Estimate a payment, see your buying power, check a refinance break-even, and more. Enter your own numbers and rate, then shop live rates or apply with AI when you are ready.
Illustrative only. Enter your own numbers below.
Results update as you type. Enter your own interest rate. We never prefill one.
Estimate a monthly payment including principal, interest, taxes, insurance, and HOA dues.
Enter your interest rate to see your estimate.
Estimates only, not an offer or a commitment to lend. Actual terms depend on your credit, property, loan program, and lender, and are subject to approval.
See an estimated home price based on your income, debts, and down payment.
Enter your interest rate to see your estimate.
Estimates only, not an offer or a commitment to lend. Actual terms depend on your credit, property, loan program, and lender, and are subject to approval.
Compare your current payment with a new one and see how long it may take to recover closing costs.
Enter your current and new interest rates to see your estimate.
Estimates only, not an offer or a commitment to lend. Actual terms depend on your credit, property, loan program, and lender, and are subject to approval.
Estimate the funds needed for a 1-0, 2-1, or 3-2-1 temporary buydown, year by year.
Enter your interest rate to see your estimate.
Estimates only, not an offer or a commitment to lend. Actual terms depend on your credit, property, loan program, and lender, and are subject to approval.
Compare what you may spend renting with the estimated net cost of owning over the same period.
Enter your interest rate to see your estimate.
Estimates only, not an offer or a commitment to lend. Actual terms depend on your credit, property, loan program, and lender, and are subject to approval.
Calculators give you a starting point. A licensed loan officer can confirm your options.
No. Results are estimates for educational purposes based on the information you enter. They are not a loan approval, a rate quote, or a commitment to lend. All loans are subject to approval.
We do not prefill a rate. Enter a rate you were quoted or one you want to test. To see current options for your scenario, use Shop Rates or talk with a loan officer.
Principal and interest, plus the property taxes, homeowners insurance, HOA dues, and mortgage insurance you enter. Your actual payment may differ.
The calculator uses your income, monthly debts, and the debt-to-income limit you choose to estimate a maximum housing payment, then converts it to a loan amount at your rate and term and adds your down payment. Limits vary by loan program and lender.
It is about how long it may take for a lower monthly payment to recover your closing costs. A new loan term also changes the total interest you pay over time.
A temporary buydown lowers your interest rate for the first years of the loan, then the payment returns to the note rate. A 1-0 buydown lowers the rate by 1 percentage point in year one. A 2-1 lowers it by 2 points in year one and 1 point in year two. A 3-2-1 lowers it by 3, 2, and 1 points in years one to three.
A seller, builder, or lender may pay the cost. The funds needed equal the total payment difference over the buydown years, and they are held in an escrow account to cover the difference each month. Eligibility and qualifying rate rules vary by program, and results here are estimates only.
Send a note and a licensed loan officer will run your scenario with you. Prefer to move now?