RUN THE NUMBERS

Estimate principal and interest, monthly housing expenses, and refinance break-even with interactive mortgage calculators.

APPLY THROUGH RATE ↗

ESTIMATE YOUR PURCHASING POWER

HOW MUCH HOME COULD I AFFORD?

See an illustrative price range based on income, debt and estimated housing costs. This is not a preapproval or credit decision.

Gross household income per year ($)Existing monthly debt payments ($)Down payment (%)Assumed mortgage interest rate (%)Loan termAssumed maximum total debt-to-income ratioEstimated property tax per year (% of home price)Annual homeowners insurance ($)Annual flood insurance ($)Monthly HOA or condo dues ($)Mortgage insurance / loan programAssumed annual MI / guarantee fee (% of loan)Assumed upfront fee financed (% of original loan)

Illustrative premium assumptions only. FHA MIP, USDA guarantee fees, conventional PMI, VA funding fees, cancellation rules, and actual underwriting depend on the loan program and borrower. Adjust assumptions; this is not a lender determination.

Annual flood insurance ($)Mortgage-insurance / loan typeAssumed annual mortgage-insurance rate (% of loan)Assumed upfront fee financed (% of original loan)

Rates depend on the actual loan program, down payment, credit, loan amount and other factors. FHA/USDA upfront fees and annual charges vary; edit assumptions to match your scenario. VA has no monthly mortgage insurance, but applicable VA funding fees can be modeled as an upfront fee.

ILLUSTRATIVE MAXIMUM HOME PRICE—

Approximate loan amount—

Maximum estimated monthly housing payment—

Est. down payment—

This simplified tool uses gross income and a chosen DTI assumption, not verified qualifying income or program underwriting. It excludes credit score, assets/reserves, closing costs, occupancy, loan limits, taxes changing after sale, and many underwriting rules. A higher estimated figure does not mean a lender will approve it.

GET A REAL PREAPPROVAL CONVERSATION ↗

MORTGAGE PAYMENT ESTIMATOR

WHAT WOULD MY PAYMENT BE?

Estimate principal, interest, taxes, insurance, HOA dues, and mortgage insurance with your own assumptions.

Mortgage payment estimator

Purchase price ($)Down payment ($)Annual rate (%) — enter your assumptionTerm (years)Annual property taxes ($)Annual homeowners insurance ($)Monthly HOA ($)

Enter your own rate assumptions; this website does not provide current rate quotes. Accounts for entered mortgage insurance; other exclusions include flood insurance, assessment changes, loan costs and other variable expenses.

Illustrative monthly payment

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Enter numbers to calculate.

Informational estimate only, not a loan estimate, credit decision or rate quote.

REFINANCE BREAK-EVEN

Estimated refinance closing costs ($)Estimated monthly payment savings BEFORE mortgage insurance ($)Current monthly mortgage insurance ($)New monthly mortgage insurance ($)

Include conventional PMI, FHA annual MIP, or USDA annual fees as applicable. Enter monthly savings before MI above; the calculator adjusts for the difference. Compare equivalent loan terms, cash-to-close and remaining principal before making decisions.

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Months to recover upfront costs, considering payment difference only. It does not account for loan term changes, principal balance, taxes or opportunity cost.