Free Mortgage Calculators
Real math, no email wall. Sixteen tools covering payments, DTI, closing costs, buydowns, VA entitlement, reverse mortgages and more — built on the same formulas lenders use.
Mortgage Payment (PITI)
Full monthly payment: principal, interest, taxes, insurance, PMI & HOA.
Home Affordability
Max home price from income, debts and down payment — real lender DTI math.
DTI Ratio
Front-end and back-end ratios vs 28/36, 43% and FHA 50% limits.
Cash to Close
Down payment + closing costs − earnest money and credits.
FHA vs Conventional
Lifetime MIP vs credit-priced PMI — which is cheaper for your score.
Rate Buydown
Discount points cost vs monthly savings, plus 2-1 seller-paid buydowns.
Refinance Break-Even
Months until a refinance pays for itself — keep it or walk away.
Mortgage Recast
New payment after a lump-sum principal payment — same rate, lower P&I.
VA Entitlement
Remaining entitlement and max $0-down purchase price.
Reverse Mortgage
Indicative HECM proceeds by age and home value.
Bridge Loan
Interest-only monthly cost and total bill to buy before you sell.
Balloon Mortgage
Monthly payment plus the exact lump sum due at the balloon date.
30-Year Fixed Payment
Payment and total interest on America’s most popular term.
Payment + Taxes & Insurance
True all-in PITI — not just principal and interest.
Mortgage Calculator
Quick monthly payment estimate for any loan amount.
Rent vs Buy
Break-even timeline on renting vs owning in your market.
Numbers crunched? Get your real offer.
Calculators give estimates — lenders give real rates. Compare offers matched to your profile in about 60 seconds, with no impact on your credit.
Check my options