Mortgage, Home Buying & Real Estate Calculators

Mortgage & Real Estate Calculators

Estimate mortgage payments, home affordability, refinance savings, amortization, payoff timelines, PMI, closing costs, and down payments.

Use U.S.-focused calculators for property taxes, escrow, HOA affordability, FHA and VA loans, home equity, HELOC payments, rental property returns, and rent vs buy decisions.

Calculations are estimates only and are not financial, mortgage, tax, legal, or real estate advice.

Mortgage Payments

Compare U.S. real estate scenarios with clear assumptions and practical payment breakdowns.

Mortgage Calculator

Estimate monthly principal, interest, taxes, insurance, PMI, HOA, and total mortgage cost.

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Amortization Calculator

Generate a mortgage payment, total interest estimate, and amortization summary.

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ARM vs Fixed Mortgage Calculator

Compare estimated fixed-rate mortgage cost with adjustable-rate mortgage cost.

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Home Buying & Affordability

Compare U.S. real estate scenarios with clear assumptions and practical payment breakdowns.

Home Affordability Calculator

Estimate an affordable home price from income, debts, down payment, and DTI limits.

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Closing Cost Calculator by State

Estimate buyer closing costs, cash needed at closing, and cost as a percent of home price.

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Down Payment Calculator

Estimate down payment amount, loan amount, LTV, and cash gap or surplus.

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Debt-to-Income Ratio Calculator

Calculate front-end and back-end DTI for mortgage affordability planning.

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HOA Fee Affordability Calculator

Estimate how HOA dues affect total housing payment and DTI.

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Refinance & Payoff

Compare U.S. real estate scenarios with clear assumptions and practical payment breakdowns.

Mortgage Refinance Calculator

Compare current mortgage costs with a new refinance rate, term, cash-out, and closing costs.

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Mortgage Payoff Calculator

Estimate payoff time, interest saved, and time saved with extra mortgage payments.

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Extra Mortgage Payment Calculator

Estimate interest savings and payoff reduction from extra monthly, yearly, or one-time payments.

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Biweekly Mortgage Payment Calculator

Compare standard monthly mortgage payments with a biweekly payment strategy.

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Mortgage Points Calculator

Estimate whether buying mortgage points may save money over your expected time in the home.

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Taxes, Insurance & Escrow

Compare U.S. real estate scenarios with clear assumptions and practical payment breakdowns.

PMI Calculator

Estimate private mortgage insurance, annual PMI, monthly PMI, and loan-to-value ratio.

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Property Tax Calculator by State/County

Estimate annual and monthly property tax using a state rate or override.

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Escrow Calculator

Estimate monthly escrow for property tax, homeowners insurance, PMI, and flood insurance.

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FHA, VA & Home Equity

Compare U.S. real estate scenarios with clear assumptions and practical payment breakdowns.

FHA Loan Calculator

Estimate FHA base loan, upfront MIP, monthly MIP, and total monthly payment.

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VA Mortgage Calculator

Estimate VA funding fee, total loan amount, monthly payment, and no-PMI payment details.

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Home Equity Loan Calculator

Estimate available equity, maximum loan amount, payment, and interest for a home equity loan.

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HELOC Payment Calculator

Estimate interest-only HELOC payment and repayment-period payment.

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Renting & Real Estate Investment

Compare U.S. real estate scenarios with clear assumptions and practical payment breakdowns.

Real Estate Calculator

Estimate ownership cost, equity growth, appreciation, and net proceeds.

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Rental Property Calculator

Estimate monthly cash flow, NOI, cap rate, cash-on-cash return, and DSCR.

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Rent Calculator

Estimate affordable rent from income, debts, utilities, and renter's insurance.

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Rent vs Buy Calculator

Compare the estimated cost of renting versus buying over a U.S. housing timeline.

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FAQ

Mortgage & Real Estate Calculator Questions

What can I estimate with mortgage and real estate calculators?

You can estimate mortgage payments, affordability, refinance savings, amortization, payoff timelines, PMI, closing costs, down payments, property tax, escrow, FHA and VA loans, HELOC payments, rental property returns, and rent vs buy decisions.

Are these calculators designed for U.S. home buyers?

Yes. They use U.S. dollars, U.S. mortgage terms, property tax concepts, insurance and escrow language, FHA and VA terminology, and American real estate planning assumptions.

Do these calculators replace lender quotes?

No. They are planning estimates. Mortgage lenders, county tax offices, insurers, title companies, and real estate professionals can provide actual figures.

Why are some state tax and closing cost rates approximate?

Exact property tax and closing costs vary by county, city, title company, lender, and transaction. The state data is structured as editable placeholder assumptions.

Which calculator should I start with?

Start with the home affordability calculator, then use the mortgage, down payment, PMI, closing cost, property tax, and escrow calculators to refine the estimate.

Are Mortgage Calculator and Rent vs Buy Calculator duplicated?

No. Those calculators already existed on the main calculator hub, so this page links to the existing routes instead of creating duplicate pages.