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Smarter Home Financing Starts Here.
Start with the monthly number, then see what taxes, insurance, and the down payment do to it. The tools run in your browser. Nothing here is a loan application.
Example rate, not a live quote.
Loan term
Principal and interest
$2,075.51
Loan amount $320,000.00. This quick result leaves out taxes, insurance, HOA, and PMI.
Open the full payment calculatorFree to use
No account is required to run a calculator.
Numbers stay here
Saved inputs stay in this browser. They are not sent to a lender.
Assumptions are labeled
Example rates, PMI, and fees are marked as assumptions.
Not a lender
Nothing on this site is an application or a loan offer.
The lender's piece is principal and interest. This page also lines up taxes, insurance, HOA, and PMI so you can see the draft that actually leaves your account. The starting rate is an example.
This works backward from income and the debts you already pay. The 28/36 split is a teaching rule. A lender can, and often does, use a different one.
Each row is one month: what went to interest, what actually reduced the balance, and what you still owe.
One path adds a little every month. The other drops a lump sum once. They are not added together, because that would brag about savings you did not actually stack.
Closing costs are rolled into the new loan here. If the new payment is not lower, there is no month when the refinance pays for itself, and the page will not invent one.
This compares two stories you have to invent: what the house does, and what the renter's cash would have earned. Tax deductions are left out.
The percent down is only part of the cash. Closing costs sit on top, and you can change that percent. This is not a lender's cash-to-close.
A point is usually 1% of the loan, paid now for a lower rate later. How much rate you actually buy is on the lender's sheet, not ours.
This prices an FHA-style payment, including mortgage insurance from a labeled HUD schedule. It does not mean FHA, or any lender, will take the loan.
This is for eligible service members, veterans, and some surviving spouses. The page can price a funding fee. It cannot tell you that you are eligible.
The 1% upfront fee and the 0.35% annual fee are planning assumptions. Whether the house is in an eligible area, and whether the household income fits, is not something this page can see.
Add up the lines you can actually edit. Picking a state names the worksheet. It does not quietly apply that state's transfer tax.
Front-end is housing alone. Back-end adds the debts you already pay. The words on the page describe common teaching ranges. They are not an approval.
Equity is what the house is worth minus what is owed on it. The 80% line is a starting assumption, not an offer of a loan or a HELOC.
Type a rate you want to worry about. The page applies your caps and prices the remaining balance. It does not forecast the index.
The monthly premium is whatever annual rate you type. The 80% and 78% dates are a walk down the original schedule, not a promise from your servicer.
Twenty-six half-payments are thirteen full payments a year. Interest falls here only if each half-payment actually hits the loan, not a holding account.
Put two or three offers next to each other. The lowest payment, the lowest interest, and the lowest total are labeled in words, because the winner is rarely the same column.
Pick the loan size you keep typing into other calculators. Each page opens on that amount, then shows what a shorter term or a real down payment does to the bill.
A 30-year payment can look easier and still cost more interest than a 15-year loan. The compare tool puts two or three offers next to each other and labels the lowest payment, the lowest interest, and the lowest total in words.
Open compare scenariosWhat a mortgage payment is made of, how amortization works, and which numbers are assumptions.
The 28/36 guideline, why debt can limit the price more than income, and what the estimate leaves out.
What a refinance replaces, how closing costs enter the new loan here, and when a lower payment is not the whole story.
Extra principal, biweekly drafts, and a shorter term, and what each one does to interest.
Conventional, FHA, VA, USDA, and jumbo loans, and which calculator matches each fee.
The order of operations for a first purchase: budget, documents, pre-approval, offer, and closing, without a lender pitch.
Calculators work without an account. This site does not store email addresses. Write to hello@equidwell.com and include the page address if a figure looks wrong.