Mortgage Calculator
Calculate your monthly payment and total loan cost
Loan Details
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Monthly Payment Breakdown
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Total Monthly Payment
Principal & Interest—
Property Tax—
Home Insurance—
PMI (est.)—
Loan Amount—
Total Interest Paid—
Total Cost—
Amortization Schedule
See how each payment chips away at principal vs. interest over time
Loan Details
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Summary
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Monthly Payment
Total Payments—
Total Interest—
Total Paid—
Interest Savings (extra $)—
Payoff Earlier By—
Financing Calculator
Compare loan options and estimate your monthly payment
Loan Parameters
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pts
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Financing Analysis
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Monthly Payment
APR (effective)—
Total Interest—
Points Cost—
Total Closing—
Breakeven (months)—
Total Cost of Loan—
Compare: 15 vs 20 vs 30 Year
| Term | Monthly | Total Interest | Total Paid | Interest Saved vs 30yr |
|---|---|---|---|---|
| Click "Analyze Financing" to compare | ||||
House Affordability
Find out how much home you can comfortably afford
Your Financial Profile
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Affordability Range
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Maximum Home Price (28% rule)
Conservative (25% DTI)—
Comfortable (28% DTI)—
Stretch (36% DTI)—
Max Payment (36%)—
Your DTI (current debt)—
DTI Ratio
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Ideal <28%Max 36%Risky 43%+
Note: These figures are estimates based on standard debt-to-income (DTI) guidelines used by many lenders. Your actual approval depends on credit score, savings, employment history, and lender requirements. Consult a mortgage professional for personalized advice.
Interest Rate Comparator
See how rate changes affect your total cost over time
Loan Setup
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Rate Scenarios
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Rate Comparison
Enter your rates and click Compare
Detailed Rate Table
| Rate | Monthly Payment | Total Interest | Total Paid | vs Rate A |
|---|---|---|---|---|
| Click "Compare Rates" to see the table | ||||