Explore mortgage and homeownership calculators for estimating payments, comparing loan options, determining affordability, accelerating payoff, managing equity and PMI, calculating property taxes, and evaluating the costs of buying, owning, refinancing, or selling a home.
Mortgage Payments, Terms & Amortization
Estimate monthly mortgage payments, review principal and interest over time, compare loan terms, and determine when a mortgage will reach maturity.
Home Affordability, Income & Down Payments
Estimate an affordable home price, calculate the required down payment, compare home prices with income, and explore alternative income qualification methods.
Mortgage Rates, Buydowns & Loan Structures
Compare changing interest rates, temporary and permanent buydowns, adjustable-rate loans, blended rates, offset mortgages, and interest-only financing.
Refinancing, Recasting & Mortgage Payoff
Evaluate refinancing, recalculate payments after a principal reduction, compare payoff strategies, and estimate the effects of extra or biweekly payments.
Home Equity, LTV, PMI & HELOCs
Calculate home equity and loan-to-value ratios, estimate private mortgage insurance, determine when PMI may be removed, and project HELOC payments.
Escrow, Earnest Money & Closing Costs
Estimate cash needed before closing, calculate initial escrow deposits, and determine potential escrow shortages, refunds, and closing-cost percentages.
Property Taxes, Assessments & Mill Rates
Estimate property taxes, convert mill rates, and compare a property’s assessed value with its market value and local assessment ratio.
Reverse Mortgages & Homebuyer Credits
Estimate reverse mortgage proceeds and evaluate the potential tax benefit of a Mortgage Credit Certificate for eligible homebuyers.
Home Selling Costs & Proceeds
Estimate the net proceeds from selling a home and calculate the mortgage, tax, insurance, utility, and maintenance costs incurred while waiting for a sale.