Professional Mortgage Calculator Suite

Mortgage Calculator Suite

Professional mortgage tools for home buyers, sellers, and owners

Mortgage Payment Calculator

Estimate your monthly mortgage payment with taxes, insurance, and PMI.

$
Down Payment 20%
$ %
Drag the slider or enter amount/percentage
Interest Rate 4.5%
%
$
$
%
Private Mortgage Insurance (required if down payment < 20%)

Payment Results

Your Estimated Monthly Payment

Principal & Interest $1,422.36
Property Tax $291.67
Home Insurance $100.00
PMI $116.67
Total Monthly Payment $1,930.70

Loan Summary

Loan Amount $280,000
Down Payment $70,000 (20%)
Total Interest Paid $231,930
Total Cost of Loan $695,052
Pay-off Date December 2054

Refinance Calculator

Determine if refinancing your mortgage could save you money.

$
%
%
$
Estimated closing costs for the new loan

Refinance Analysis

Current Loan

Monthly Payment $1,687.71
Remaining Payments 300
Total Interest Left $256,313
Total Cost Left $506,313

New Loan

Monthly Payment $1,581.59
Total Payments 240
Total Interest $129,582
Total Cost $384,582

Refinance Savings

Monthly Savings $106.12
Total Interest Savings $126,731
Break-even Point 3.9 years
Net Savings $121,731

Home Affordability Calculator

Calculate how much house you can afford based on your income and expenses.

$
$
Credit cards, car loans, student loans, etc.
$
%
%
DTI Ratio 36%
%
Lenders typically allow 36-43% DTI ratio

Affordability Results

What You Can Afford

Maximum Monthly Payment $1,675
Maximum Home Price $328,900
Recommended Home Price $296,010
Loan Amount Needed $256,010

Payment Breakdown

Principal & Interest $1,327
Property Taxes $296
Homeowners Insurance $100
PMI (if applicable) $107
Total Monthly Payment $1,830

Amortization Calculator

See how your mortgage payments break down over time.

$
%
$
Optional: Additional principal payment each month

Amortization Summary

Loan Overview

Monthly Payment $1,520.06
Total Interest Paid $247,220
Total Cost of Loan $547,220
Loan Payoff Date December 2054

With Extra $100 Monthly Payment

New Monthly Payment $1,620.06
Interest Savings $48,459
Time Saved 4 years, 8 months
New Payoff Date April 2050

Amortization Schedule (First 12 Months)

Month Payment Principal Interest Balance

Closing Costs Calculator

Estimate the closing costs when purchasing or refinancing a home.

$
$

Estimated Closing Costs

Cost Breakdown

Loan Origination Fee $2,800
Appraisal Fee $500
Credit Report Fee $50
Title Insurance $1,225
Attorney/Closing Fee $800
Recording Fees $150
Prepaid Interest $350
Homeowners Insurance $1,200
Property Taxes $2,100
Total Estimated Costs $9,175

Disclaimer: This calculator provides estimates only. Actual closing costs will vary based on your lender, location, loan type, and other factors.

Real Estate Net Proceeds Calculator

Calculate how much money you'll walk away with after selling your property.

$
$
Commission Rate 5%
%
Include Seller Concessions
$
Closing cost assistance to buyer, repairs, etc.
$
Title fees, attorney fees, transfer taxes, etc.
$
Include Mortgage Payoff Penalty
$
Home warranty, HOA fees, etc.

Net Proceeds Results

Your Estimated Net Proceeds

$127,500
Proceeds as % of Sale Price 28.3%

Sale Proceeds Breakdown

Sale Price $450,000
- Remaining Mortgage $285,000
- Agent Commission (5%) $22,500
- Seller Concessions $5,000
- Closing Costs $3,000
- Repair Costs $2,000
- Payoff Penalty $0
- Other Costs $1,000
Net Proceeds (Cash to You) $131,500

Disclaimer: This calculator provides estimates only. Consult with a real estate attorney or tax professional for advice on your specific situation.