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Use Today's Rates
Check our daily rate page for current rates. Using accurate rates gives you realistic payment estimates.
2026-09-14T00:00:00|6.968|0.023|6.274|0.035|6.725|-0.009|6.623|0.032||
Mortgage Calculators: Plan Your Home Purchase
Free mortgage calculators to estimate payments, compare refinance options, check affordability, and plan your homebuying budget. No personal information required.
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Mortgage Calculator
Estimate your monthly mortgage payment based on home price, down payment, interest rate, and loan term. Includes taxes and insurance.
Calculate Payment →
Refinance Calculator
See how much you could save by refinancing. Compare your current loan to a new rate and find your break-even point on closing costs.
Check Savings →
Affordability Calculator
Find out how much house you can afford based on your income, debts, down payment, and local tax rates.
Check Affordability →
DTI Calculator
Calculate your debt-to-income ratio and see whether you may meet common mortgage qualification thresholds.
Calculate DTI →
FHA Calculator
Estimate your FHA loan payment including upfront and annual mortgage insurance premiums and total FHA loan costs.
Calculate FHA →
VA Calculator
Calculate your VA loan payment with zero down. Includes the VA funding fee and comparison with conventional financing.
Calculate VA →
How to Use Our Mortgage Calculators
Our free calculators help you make informed decisions about one of the biggest financial commitments of your life. Whether you're buying your first home, refinancing, or comparing loan types, these tools give you the numbers you need — no personal information or sign-up required.
Tips for Accurate Estimates
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Include All Costs
Don't forget property taxes, homeowner's insurance, HOA fees, and PMI. These can add hundreds or even thousands of dollars to your monthly payment.
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Compare Scenarios
Run multiple calculations with different down payments, loan terms, and rates. Small changes can mean significant savings over the life of your loan.
Understanding Your Results
Calculator results are estimates based on the information you provide. Your actual mortgage payment, qualification, and costs may vary based on your credit score, lender fees, exact property taxes, insurance, and other factors. Always get pre-approved with a lender for precise numbers.
For current mortgage rates to use in your calculations, visit our Today's Mortgage Rates page, updated regularly with data from your selected rate provider.
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FRED-sourced data
Updated daily
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Optimal Blue + Freddie Mac
Understanding your mortgage numbers helps you make smarter financial decisions.
Official Government Resources
CFPB — Owning a Home
Consumer Financial Protection Bureau guide to buying a home,
comparing loan offers, and understanding closing.
HUD — Buying a Home
Department of Housing & Urban Development resources for
homebuyers, including FHA program information.
VA — Home Loans
Official VA home loan program information, eligibility, and
Certificate of Eligibility requests.
Freddie Mac — Rate Survey
Weekly Primary Mortgage Market Survey, a benchmark for national
average mortgage rates.
FHFA — Loan Limits
Federal Housing Finance Agency conforming loan limits by county,
updated annually.
IRS — Mortgage Interest Deduction
IRS guidance on deducting home mortgage interest, points, and
eligible mortgage-related expenses.
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