Free Mortgage & Home Loan Calculators

Calculate costs, measurements, specifications, and estimates Calculate mortgage payments, rates, and lending costs — all for free. No signup, no guesswork.

Browse by Category

Monthly Payments

Mortgage payment, home affordability, FHA, VA, jumbo, interest-only, and ARM payment calculators.

11 calculators

Refinancing & Equity

Refinance savings, cash-out refi, home equity, HELOC, break-even, ARM vs fixed, and mortgage points calculators.

8 calculators

Costs & Insurance

Closing costs, PMI, property tax, homeowners insurance, rent vs buy, tax deduction, DTI, and loan comparison calculators.

8 calculators

Payoff & Amortization

Amortization schedule, biweekly payments, extra payments, payoff timeline, reverse mortgage, investment property, and USDA loan calculators.

8 calculators

Popular Calculators

Mortgage Payment Calculator

Calculate your monthly mortgage payment including principal and interest based on loan amount, interest rate, and loan term.

payments

Home Affordability Calculator

Find out how much home you can afford based on your income, monthly debts, down payment, and current interest rates.

payments

Down Payment Calculator

Calculate your down payment amount, see how it affects PMI, and determine how long it will take to save for your target.

payments

FHA Loan Calculator

Calculate FHA loan payments including upfront and annual mortgage insurance premiums (MIP) with the 3.5% minimum down payment.

payments

VA Loan Calculator

Calculate VA loan payments with 0% down payment option and VA funding fee for eligible veterans and service members.

payments

Refinance Savings Calculator

Compare your current mortgage to a new refinanced loan. See monthly savings, total interest savings, and how long it takes to break even on closing costs.

refinance

Cash-Out Refinance Calculator

Calculate your new loan amount, cash received, and new monthly payment when doing a cash-out refinance on your home.

refinance

Home Equity Calculator

Calculate how much equity you have in your home based on current market value and remaining mortgage balance, plus your loan-to-value ratio.

refinance

Closing Costs Calculator

Estimate total closing costs including origination fees, appraisal, title insurance, escrow, and other fees when buying a home.

costs

PMI Calculator

Calculate private mortgage insurance costs: annual premium, monthly payment, and when PMI drops off at 80% LTV.

costs