Mortgage planning toolkit

Free mortgage calculators with transparent assumptions.

Run a focused scenario, inspect the formula, read the limitations, and verify changing program rules through linked primary sources.

FHA Mortgage Calculator

Estimate an FHA mortgage payment with financed upfront MIP, annual mortgage insurance, taxes, homeowners insurance, and HOA dues.

Estimate a VA home-loan payment with the current funding-fee tiers, taxes, insurance, HOA dues, first-use status, and fee exemption.

Estimate a USDA guaranteed-loan payment with upfront and annual guarantee fees, property taxes, insurance, and HOA dues.

Estimate private mortgage insurance by loan amount and annual PMI rate, plus a principal-paydown estimate for reaching 80% loan-to-value.

Estimate buyer cash to close from down payment, closing costs, prepaid items, seller credits, and earnest-money deposits.

Estimate an affordable home price using income, monthly debts, down payment, mortgage rate, taxes, insurance, HOA dues, and DTI limits.

Estimate how an extra monthly principal payment could shorten a mortgage and reduce total interest.

Compare monthly payment and total interest for 15-year and 30-year fixed-rate mortgages using separate rate assumptions.

Compare estimated cumulative rent with the net cost of buying after mortgage payments, ownership costs, appreciation, equity, and selling costs.

Calculate front-end and back-end debt-to-income ratios from gross monthly income, proposed housing expense, and recurring monthly debts.

Estimate discount-point cost, monthly payment savings, and the break-even period for a lower mortgage rate.

Estimate refinance payment savings, closing-cost break-even time, and lifetime interest difference using the remaining balance and term.

CalculateYourRate does not approve loans or quote binding terms. Actual eligibility and cost depend on lenders, programs, borrowers, and properties.