Professional mortgage tools for home buyers, sellers, and owners
Mortgage Payment Calculator
Estimate your monthly mortgage payment with taxes, insurance, and PMI.
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Down Payment20%
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Drag the slider or enter amount/percentage
Interest Rate4.5%
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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 DateDecember 2054
Refinance Calculator
Determine if refinancing your mortgage could save you money.
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Estimated closing costs for the new loan
Refinance Analysis
Current Loan
Monthly Payment$1,687.71
Remaining Payments300
Total Interest Left$256,313
Total Cost Left$506,313
New Loan
Monthly Payment$1,581.59
Total Payments240
Total Interest$129,582
Total Cost$384,582
Refinance Savings
Monthly Savings$106.12
Total Interest Savings$126,731
Break-even Point3.9 years
Net Savings$121,731
Home Affordability Calculator
Calculate how much house you can afford based on your income and expenses.
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Credit cards, car loans, student loans, etc.
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DTI Ratio36%
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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.
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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 DateDecember 2054
With Extra $100 Monthly Payment
New Monthly Payment$1,620.06
Interest Savings$48,459
Time Saved4 years, 8 months
New Payoff DateApril 2050
Amortization Schedule (First 12 Months)
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Payment
Principal
Interest
Balance
Closing Costs Calculator
Estimate the closing costs when purchasing or refinancing a home.
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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.
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Commission Rate5%
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Include Seller Concessions
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Closing cost assistance to buyer, repairs, etc.
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Title fees, attorney fees, transfer taxes, etc.
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Include Mortgage Payoff Penalty
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Home warranty, HOA fees, etc.
Net Proceeds Results
Your Estimated Net Proceeds
$127,500
Proceeds as % of Sale Price28.3%
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.
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