Estimate your total monthly mortgage payment, cash to close, affordability, and refinance options BEFORE you talk to a lender or apply for a mortgage.
Covers Conventional, FHA, VA, and USDA loan types. Accurate in all 50 states. No sign-ups. No pressure. Just clear numbers to help you plan with confidence.
Calculate your total mortgage payment with taxes, insurance, PMI, and out-of-pocket costs at closing. Covers Conventional, FHA, VA, and USDA loans — compare all four side by side.
Try the Calculator →Find out how much you may qualify for based on your income and debt obligations. Compare Conventional, FHA, VA, and USDA loan programs side by side.
Try the Calculator →Determine how much income you need to qualify based on a specific purchase price, down payment, and loan amount. Covers Conventional, FHA, VA, and USDA loan types.
Try the Calculator →Calculate your monthly payments and view a full amortization breakdown of principal and interest.
Try the Calculator →Estimate how much you'll walk away with after selling your home and paying off expenses.
Try the Calculator →Compare your existing mortgage to a new one and see potential savings from refinancing.
Try the Calculator →Analyze the long-term costs and benefits of renting versus buying a home. Compare Conventional, FHA, VA, and USDA loan scenarios side by side.
Try the Calculator →Estimate how much to save each month toward your down payment or closing costs.
Try the Calculator →Learn how to buy a home, get the best rate, improve your credit score, and more — plus answers to frequently asked questions.
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About the Creator
Don Proctor — 37-Year Banking Veteran
Over the first 15 years of his lending career, Don focused exclusively on residential mortgage lending — closing more than 2,000 loans across all 50 states. He studied Aerospace Engineering at UT Arlington and holds a graduate degree in banking from the University of Wisconsin at Madison. These calculators reflect the real numbers he's worked with across decades of lending.
Learn more about Don →Run the numbers wherever you are. The free Your Mortgage Toolbox app brings all 8 mortgage calculators to your iPhone, Android, or Amazon Fire tablet. No sign-up. No cost. Just answers in seconds.
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