Essentials & Buying a Home
Mortgage Calculator
Monthly payment, interest breakdown, and amortisation for a fixed-rate mortgage.
Open calculatorAffordability Calculator
How much house can you afford — based on income, debts, and down payment.
Open calculatorDebt-to-Income Calculator
Work out your front-end and back-end DTI ratios — the numbers lenders check first.
Open calculatorRent vs. Buy Calculator
Compare the true cost of renting against buying over the years you plan to stay.
Open calculatorClosing Cost Calculator
Estimate lender fees, third-party fees and prepaids — and the total cash needed to close.
Open calculatorDown Payment Calculator
Set a down payment goal and see how long it takes to save for it.
Open calculatorHome Loan Calculator
PITI estimate including taxes and insurance for a home purchase.
Open calculatorFirst-Time Homebuyer Calculator
Full monthly payment and down payment needed for a first home purchase.
Open calculatorBuyer Closing Cost Estimator
A full breakdown of a buyer's closing costs and the total cash needed to close.
Open calculatorPre-Qualification Calculator
A quick pre-qualification estimate of the home price and loan a buyer can support.
Open calculatorCompare Options
15 vs 30 Year Mortgage Calculator
Compare a 15-year and a 30-year mortgage — payment, total interest and savings.
Open calculator20 vs 30 Year Mortgage Calculator
Compare a 20-year and a 30-year mortgage — payment, total interest and savings.
Open calculatorARM vs. Fixed-Rate Mortgage Calculator
Compare an adjustable-rate mortgage against a fixed-rate loan over the full term.
Open calculatorFixed Rate vs. Interest Only Mortgage Calculator
Compare a standard fixed-rate loan against an interest-only loan — payment and total cost.
Open calculatorARM & Interest Only ARM vs. Fixed Rate Calculator
Compare a standard ARM, an interest-only ARM, and a fixed-rate loan side by side.
Open calculatorPayoff & Refinance
Refinance Calculator
Compare your current mortgage to a refinance offer and find your break-even.
Open calculatorCash-Out Refinance Calculator
See your new payment and loan-to-value when you refinance and take cash out.
Open calculatorBi-Weekly Payment Calculator
See how much time and interest you save by paying your mortgage bi-weekly.
Open calculatorExtra Payment Calculator
See how an extra monthly payment shortens your loan and cuts total interest.
Open calculatorMortgage Recast Calculator
See your new lower payment after applying a lump sum and recasting the loan.
Open calculatorMortgage Debt Consolidation Calculator
See your new payment and monthly savings from rolling high-interest debt into your mortgage.
Open calculatorBiweekly Payments for an Existing Mortgage
See the time and interest you save by switching your current mortgage to bi-weekly payments.
Open calculatorAdjustable Rate (ARM)
ARM Calculator
Adjustable-rate mortgage — initial payment and what it becomes after the rate adjusts.
Open calculatorInterest Only ARM Calculator
See the low interest-only ARM payment and the jump once the rate adjusts and principal kicks in.
Open calculatorOption ARM Calculator
See the low minimum payment on an option ARM and the deferred interest that grows your balance.
Open calculatorAPR Calculator for Adjustable Rate Mortgages
Estimate the true APR of an ARM, factoring in fees and the projected rate after it adjusts.
Open calculatorAlternative & Specialty
FHA Loan Calculator
FHA mortgage payment including upfront and annual mortgage insurance premiums (MIP).
Open calculatorJumbo Loan Calculator
Monthly payment, loan-to-value and lifetime cost for a jumbo (non-conforming) mortgage.
Open calculatorUSDA Loan Calculator
USDA rural housing loan payment with the upfront and annual guarantee fees.
Open calculatorVA Loan Calculator
VA mortgage payment with the VA funding fee — for eligible veterans and service members.
Open calculatorReverse Mortgage Calculator
Estimate how much a homeowner aged 62+ could access with a reverse mortgage.
Open calculatorConstruction Loan Calculator
Interest during the build plus the permanent mortgage payment once it converts.
Open calculatorInterest Only Mortgage Calculator
See your low interest-only payment and the higher payment once the loan starts amortizing.
Open calculatorBalloon Mortgage Calculator
See your low monthly payment and the large balloon balance due at the end of the term.
Open calculatorBlended Rate Mortgage Calculator
Find the effective blended interest rate and combined payment across a first and second mortgage.
Open calculatorCombination Mortgage Calculator
Compare a single mortgage with PMI against a first-plus-piggyback-second combination.
Open calculatorMortgage Analysis
PMI Calculator
See your monthly private mortgage insurance and when it drops off the loan.
Open calculatorHELOC Calculator
Home equity line of credit — interest-only draw period and repayment-period payments.
Open calculatorHome Equity Loan Calculator
Fixed-rate second mortgage payment and how much equity you can borrow.
Open calculatorMortgage Points Calculator
See whether buying discount points to lower your rate is worth the upfront cost.
Open calculatorAPR vs. Interest Rate Calculator
See the true APR once lender fees are included, next to the quoted note rate.
Open calculatorMortgage Tax Savings Calculator
Estimate how much you save on income tax by deducting your mortgage interest.
Open calculatorMortgage Required Income Calculator
Find the minimum annual income you need to qualify for a given mortgage.
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