Make the numbers visible

Mortgage planning tools.

Explore the tradeoffs before you apply. Every result is an educational estimate, followed by a clear explanation of what the calculation includes and what still requires personal review.

Monthly payment

Mortgage payment calculator

Estimate principal, interest, taxes, homeowners insurance, mortgage insurance and association dues.

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Purchase planning

Home affordability calculator

Estimate a planning price from income, debts, down payment and non-mortgage housing costs.

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Qualification planning

Debt-to-income calculator

Compare recurring monthly obligations with gross monthly income.

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Investor deal analysis

DSCR loan calculator and rental deal analyzer

Model purchase, rate-term refinance and cash-out scenarios with estimated DSCR, PITIA, cash flow, NOI, cap rate and cash invested.

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Program comparison

FHA vs. conventional calculator

Compare estimated cash down and monthly financing costs using the same purchase assumptions.

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Cash-to-close planning

Closing-cost calculator

Plan for down payment, estimated closing charges, prepaids, deposits and credits.

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Housing decision

Rent vs. buy calculator

Compare a simplified ownership cost and equity projection with renting over a chosen period.

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Payoff planning

Extra mortgage payment calculator

Estimate payoff-time and interest changes from a recurring additional principal payment.

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