MORTGAGE HUB
Mortgage & Loan Calculators
40 free mortgage and loan calculators for buyers, refinancers, sellers, and investors. No signups.
🏡
Mortgage Payment
Calculate your monthly mortgage payment including principal, interest, taxes, insurance, and PMI.…
🏘️
Mortgage Affordability
Max purchase price using the 28/36 DTI rule — the same math lenders use.…
🔁
Refinance Break-Even
Find the month where refi monthly savings overtake closing costs.…
📊
ARM vs Fixed
Compare 5/1 ARM to a 30-yr fixed with worst-case rate reset modeling.…
🏦
FHA vs Conventional
Compare monthly cost and lifetime cost of FHA versus conventional mortgages.…
🎖️
VA Loan
VA loan payment with funding fee, no PMI, and zero down if you qualify.…
🏛️
Jumbo Loan
Jumbo mortgage payment and qualifying for loans above $766,550 (2026 conforming limit).…
⭐
Mortgage Points
Break-even month on points — see if paying upfront beats the higher rate.…
📆
Bi-Weekly Payment
Shave years and interest by paying half your payment every 2 weeks (26 payments = 13 monthly).…
💥
Extra Payment Impact
See how much interest and how many years you save by adding to each monthly payment.…
🏠
HELOC
Estimate your maximum HELOC line and monthly interest-only payment.…
💵
Home Equity Loan
Fixed-rate lump-sum borrowing against home equity — payment, interest, and total cost.…
🏚️
Second Mortgage
Combined cost of your first + second mortgage, with total DTI impact.…
🎯
Mortgage Rate Compare
See lifetime cost difference between two rates on the same loan.…
📋
Closing Cost Estimate
Typical closing costs: origination, appraisal, title, escrow, prepaids — all-in estimate.…
🗑️
PMI Removal
Find the month when your loan balance + appreciation drops you below 80% LTV so you can drop PMI.…
🧮
LTV Calculator
Loan-to-value ratio for purchase or refi — PMI, rate tier thresholds.…
📅
Amortization
Full payoff schedule chart showing principal vs interest breakdown over time.…
✅
Pre-Approval Estimator
What lenders will likely approve you for based on income, debt, credit, and down payment.…
🧾
Mortgage Tax Deduction
Your federal tax savings from deducting mortgage interest — after standard deduction comparison.…
⚖️
Rent vs Buy
Compare long-term net worth of renting and investing vs buying a home over your time horizon.…
🏁
Mortgage Payoff
Find the extra monthly payment needed to pay off your mortgage by a target year.…
📉
DTI Calculator
Calculate front and back-end debt-to-income ratios against conventional, FHA, and VA thresholds.…
🏢
Rental Property ROI
Cap rate, cash-on-cash return, and the 1% rule for evaluating investment properties.…
📈
Home Appreciation
Project future home value with bear, base, and bull scenarios by market type.…
🔄
Mortgage Recast
Lower your monthly payment with a lump sum without refinancing — keep your rate.…
💰
Cash-Out Refinance
Tap home equity by refinancing — see effective cash rate and rate surrender cost.…
🏗️
Construction Loan
Break down land, build, contingency, and construction-phase interest for a new build.…
👴
Reverse Mortgage
HECM principal limit, balance growth, and remaining equity over 20 years for age 62+.…
🏛️
Property Tax Escrow
Monthly escrow payment for property tax plus the initial escrow deposit at closing.…
🛡️
Homeowners Insurance
Estimate annual premium by region, construction, credit, and deductible.…
💰
Down Payment Savings
How long to save your target down payment while home prices appreciate on the horizon.…
🤝
Seller Concessions
Concession limits by loan type and whether price reduction or closing credit beats which.…
🔑
Mortgage Assumption
Take over a seller's 2.5-3.5% VA/FHA loan and bridge the equity gap — does it beat new loan?…
🌾
USDA Loan
Zero-down USDA rural loan payment with 1% upfront + 0.35% annual guarantee fee.…
🏡
First-Time Buyer Savings
Stack DPA grants, MCC tax credits, seller concessions, and gifts to reduce cash at closing.…
📋
Home Seller Net
Net proceeds after commission, concessions, fees, transfer tax, repairs, and mortgage payoff.…
🔄
Rent My Home
Should you rent out your old home or sell and invest? Compare 10-year wealth outcomes.…
🛡️
PMI vs MIP vs LPMI
Compare borrower PMI, FHA MIP, and lender-paid LPMI by total lifetime cost.…
📆
Biweekly vs Extra
Biweekly payments vs DIY extra 1/12 monthly — same savings, but one has fees.…