Mortgage calculators for expensive home decisions

Loan Estimate Comparison

Compare two Loan Estimate-style offers by rate, points, lender fees, credits, third-party fees, cash to close, break-even, and holding-period cost.

Compare Loan Estimates

Mortgage Loan Comparison

Compare up to five loan offers by payment, APR, fees, PMI, points, and true cost.

Compare loan offers

Bridge Loan

Estimate equity, interest, fees, cash needed at close, payment overlap, sale-delay sensitivity, and waiting versus temporary housing tradeoffs.

Estimate bridge risk

Land Loan

Estimate raw, unimproved, or improved land loan payment, LTV, cash to close, carrying cost, suggested down payment gap, and balloon/reset risk.

Estimate land financing

Construction Loan

Estimate draw interest, interest reserve, cash or land equity needed, loan-to-cost, loan-to-value, and permanent payment after conversion.

Estimate construction financing

Mortgage Closing Costs

Estimate buyer closing costs, prepaid escrow items, credits, earnest money, and cash to close.

Estimate cash to close

Title Insurance Cost

Estimate owner and lender title policies, simultaneous issue savings, settlement fees, recording and transfer add-ons, seller credits, and buyer out-of-pocket title costs.

Estimate title costs

Home Appraisal Cost

Estimate appraisal fees, rush and complexity add-ons, reinspection costs, LTV at appraised value, and low-appraisal cash gap risk.

Estimate appraisal risk

Home Inspection Cost

Estimate inspection package costs, specialist add-ons, repair credits, cash reserve gaps, and due-diligence risk before contingency deadlines.

Plan inspections

Mortgage APR

Estimate APR from note rate, points, origination fees, lender fees, finance charges, and amount financed.

Estimate APR

Mortgage Rate Lock

Compare locking today's rate against floating by payment impact, lock fees, extension cost, float-down fee, and closing-delay risk.

Compare lock vs float

Mortgage Buydown

Estimate 2-1, 1-0, and custom temporary buydown payments, subsidy cost, credit shortfall, payment jump, and points comparison.

Calculate buydown cost

15-Year vs 30-Year Mortgage

Compare payment difference, total interest, horizon balance, equity, payoff timing, extra payments, and cautious investment assumptions.

Compare loan terms

ARM Mortgage

Model adjustable-rate mortgage payment changes by caps, expected index and margin, holding period, and fixed-rate comparison.

Calculate ARM risk

Balloon Mortgage

Estimate monthly payment, balloon balance, interest before payoff, equity cushion, refinance cash need, and fully amortizing comparison.

Calculate balloon risk

Mortgage Recast

Compare keeping your current payment with making a lump-sum principal payment and recasting for lower required payments.

Calculate recast savings

Mortgage Points

Compare no-points quotes against discount points or lender credits by break-even and holding-period savings.

Compare points

Mortgage Late Payment

Estimate grace-period status, late fee, catch-up amount, cash shortfall, next-cycle pressure, and 30-day credit-reporting timing.

Estimate catch-up cost

Forbearance Repayment

Compare lump-sum catch-up, temporary repayment-plan add-ons, educational deferral or partial-claim treatment, and a simple modification-style term extension.

Compare repayment options

Loan Modification

Estimate proposed modified P&I payment, capitalized arrears, deferred balance due later, full-term interest, and trial-payment budget fit.

Estimate modification

Mortgage Foreclosure Cost

Estimate cure amount, foreclosure fees, payoff shortfall, possible deficiency exposure, relocation cash, available-cash gap, and timing urgency.

Estimate foreclosure costs

Mortgage Short Sale

Estimate net sale proceeds, lien payoff need, shortfall, deficiency exposure, junior lien impact, seller contribution pressure, and relocation cash gap.

Estimate short sale

Mortgage Payoff

Estimate per-diem interest, accrued interest, payoff fees, escrow refund view, and good-through timing before requesting a servicer quote.

Estimate payoff quote

Mortgage Insurance

Estimate monthly PMI, FHA MIP, VA funding fees, USDA guarantee fees, and upfront financed costs.

Estimate MI costs

PMI Removal

Estimate current LTV, 80% and 78% targets, appraisal break-even, extra principal impact, and refinance tradeoffs.

Check PMI options

Biweekly Mortgage Payment

Compare standard monthly payments with true biweekly payments and one extra annual payment.

Compare payment schedules

Extra Mortgage Payment

Compare your scheduled payoff with extra monthly or one-time principal payments.

Calculate payoff savings

PITI Payment Calculator

Estimate principal, interest, taxes, insurance, PMI, and monthly housing payment.

Calculate PITI

Escrow Shortage

Estimate escrow shortage or surplus, repayment spread, lump-sum option, new escrow payment, and all-in mortgage payment change.

Estimate escrow change

Property Tax

Estimate annual and monthly property tax, taxable assessed value, reassessment shock, exemptions, and escrow impact.

Estimate property tax

Homeowners Insurance

Estimate dwelling coverage, personal property, loss-of-use, add-ons, deductible tradeoffs, premium range, and monthly escrow amount.

Estimate insurance

Home Insurance Deductible

Compare current and alternative deductibles by premium savings, claim out-of-pocket cost, emergency fund gap, expected cost, and filing threshold.

Compare deductibles

Home Emergency Fund

Estimate liquid cash reserves for surprise repairs, insurance deductibles, housing payment shocks, and aging major systems.

Estimate emergency cash

HOA Dues

Estimate HOA dues, special assessments, covered-service offsets, all-in housing payment, and DTI impact before buying in an association.

Estimate HOA impact

Mortgage Income Calculator

Estimate the gross monthly and annual income needed for a target home price or mortgage payment using front-end and back-end DTI.

Calculate required income

Mortgage Prequalification

Estimate a lender-style purchase range, max loan amount, DTI ratios, cash-to-close pressure, and the constraint that limits qualification.

Estimate prequalification

Debt-to-Income Ratio

Calculate front-end and back-end mortgage DTI using proposed housing costs, credit cards, auto loans, student loans, and other monthly debts.

Calculate DTI

Refinance Calculator

Estimate whether monthly savings recover closing costs before you expect to sell or refinance again.

Check break-even

Cash-Out Refinance

Estimate max cash by LTV, new loan amount, net proceeds, payment change, interest cost, break-even, and low-rate mortgage tradeoffs.

Calculate cash-out refi

Reverse Mortgage

Estimate simplified HECM-style proceeds, payoff capacity, initial cash, upfront costs, projected loan balance, and remaining equity.

Estimate reverse mortgage

HELOC vs Home Equity Loan

Compare a HELOC, home equity loan, and cash-out refinance by CLTV, monthly payment, and holding-period cost.

Compare equity options

Home Equity Loan

Estimate a fixed-rate home equity loan payment, CLTV, fees, net proceeds, total interest, and payoff balance at your horizon.

Calculate fixed equity loan

HELOC Payment

Estimate interest-only draw payments, repayment reset shock, total interest, rate-stress payments, CLTV, and equity cushion.

Stress-test HELOC payments

Home Renovation Budget

Estimate project cost, contingency reserve, cash gap, financing payment, monthly burden, and value recovery before a remodel.

Plan renovation budget

Basement Finishing Cost

Estimate basement framing, drywall, flooring, electrical, HVAC, plumbing, bathroom, egress, waterproofing, permits, contingency, cash gap, financing, and value impact.

Estimate basement budget

Deck Cost

Estimate deck materials, labor, footings, railings, stairs, demolition, permits, contingency, cash gap, and financing payment.

Estimate deck budget

Pool Cost

Estimate pool installation, excavation, decking, fencing, permits, equipment, landscaping repair, ownership costs, cash gap, and financing payment.

Estimate pool budget

Fence Cost

Estimate fence materials, labor, gates, removal, terrain, post adders, permits, survey costs, contingency, cash gap, and financing payment.

Estimate fence budget

Landscaping Cost

Estimate landscaping materials, plants, sod, labor, irrigation, drainage, hardscape, maintenance, contingency, cash gap, and financing.

Estimate landscaping budget

Driveway Paving Cost

Estimate asphalt, concrete, gravel, paver, or custom driveway costs with removal, base prep, drainage, sealing, permits, contingency, cash gap, and financing.

Estimate driveway budget

Flooring Installation Cost

Estimate flooring materials with waste, labor, removal, subfloor repair, trim, disposal, contingency, cash gap, and financing payment.

Estimate flooring budget

Kitchen Remodel Cost

Estimate cabinets, countertops, appliances, labor, contingency, temporary kitchen costs, cash gaps, financing payment, and value impact.

Estimate kitchen budget

Bathroom Remodel Cost

Estimate vanity, shower, tub, tile, fixtures, labor, contingency, temporary bathroom costs, cash gaps, financing payment, and value impact.

Estimate bathroom budget

Foundation Repair Cost

Estimate crack repair, waterproofing, piering, wall anchors, slab leveling, engineering, drainage, contingency, insurance proceeds, cash gap, and financing payment.

Estimate foundation budget

Fire Damage Restoration Cost

Estimate smoke and soot cleaning, demolition, structural repairs, electrical and HVAC work, contents, temporary housing, insurance out-of-pocket, cash gap, and financing payment.

Estimate fire damage budget

Water Damage Restoration Cost

Estimate extraction, drying, demolition, repairs, source fixes, mold prevention, contents, temporary housing, insurance out-of-pocket, cash gap, and financing payment.

Estimate water damage budget

Mold Remediation Cost

Estimate inspection, containment, HEPA setup, remediation, demolition, repairs, source fixes, temporary housing, insurance proceeds, cash gap, and financing payment.

Estimate mold budget

Sewer Line Replacement Cost

Estimate spot repair, trench replacement, trenchless lining, pipe bursting, excavation, restoration, coverage proceeds, cash gap, and financing payment.

Estimate sewer line budget

Septic System Replacement Cost

Estimate tank repair, tank replacement, drain field work, soil testing, permits, engineered systems, assistance proceeds, cash gap, and financing payment.

Estimate septic budget

Well Pump Replacement Cost

Estimate pump replacement, depth adders, pressure tank work, controls, water testing, warranty proceeds, cash gap, and financing payment.

Estimate well pump budget

Sump Pump Cost

Estimate sump pump replacement, new pit installation, battery backup, discharge line work, drainage add-ons, insurance proceeds, cash gap, and financing payment.

Estimate sump pump budget

Roof Replacement Cost

Estimate roof size, material, tear-off, decking repairs, contingency, insurance proceeds, cash gap, and financing payment.

Estimate roof budget

Chimney Repair Cost

Estimate chimney inspection, cap, crown, flashing, masonry repair, liner work, rebuild scope, contingency, cash gap, and financing payment.

Estimate chimney budget

Siding Replacement Cost

Estimate siding material, labor, removal, rot repair, house wrap, trim, permits, contingency, cash gap, financing, and maintenance impact.

Estimate siding budget

Gutter Replacement Cost

Estimate gutter material, labor, downspouts, guards, fascia repairs, removal, contingency, cash gap, and financing payment.

Estimate gutter budget

Attic Insulation Cost

Estimate insulation material and labor, air sealing, removal, ventilation add-ons, rebates, financing payment, utility savings, and payback.

Estimate insulation payback

Solar Panel Cost

Estimate system cost, tax credits, battery add-ons, financing payment, utility savings, payback, and holding-period ROI.

Estimate solar payback

HVAC Replacement Cost

Estimate HVAC equipment, labor, ductwork, permits, rebates, cash gaps, financing payment, energy savings payback, and reserves.

Plan HVAC replacement

Window Replacement Cost

Estimate window product cost, installation labor, repair allowances, rebates, contingency, financing payment, and energy savings payback.

Plan window replacement

Water Heater Replacement Cost

Estimate water heater equipment, labor, code upgrades, rebates, financing payment, energy savings payback, and urgent cash needs.

Plan water heater replacement

Appliance Replacement Cost

Estimate full appliance replacement cost, repair-vs-replace timing, energy savings payback, cash gaps, and reserve needs.

Plan appliance replacement

Home Warranty Cost

Compare warranty premiums, service fees, exclusions, seller credits, covered repair value, and self-insuring repairs.

Compare warranty cost

Home Affordability

Estimate a purchase budget using income, debts, down payment, and lender-style DTI checks.

Check affordability

Home Affordability Range

Compare conservative, comfortable, and stretch home price ranges with DTI, down payment, closing reserve, PMI, and cash-to-close pressure.

Compare ranges

Home Maintenance Cost

Estimate monthly and annual maintenance reserves, known repair savings, HOA coverage offsets, and emergency reserve gaps.

Estimate upkeep reserves

Rent vs Buy

Compare long-term renting and buying costs including equity, appreciation, and opportunity cost.

Compare paths

Rate-Shopping Checklist

Collect lender quotes with matching assumptions before comparing marketplace offers.

Open checklist