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Mortgage Calculator
Run the numbers from eight angles, then turn the estimate into a homeownership strategy built around your goals.
Mortgage Payment Calculator
Compare principal and interest with a more complete monthly housing estimate.
Estimated monthly principal and interest
$2,275
This Basic result excludes property taxes, homeowners insurance, HOA dues and mortgage insurance.
- Estimated loan amount
- $360,000
- Principal in first payment
- $325
- Interest in first payment
- $1,950
Estimated total monthly housing payment
$3,225
- Principal & interest
- $2,275
- Property taxes
- $750
- Homeowners insurance
- $200
- HOA dues
- $0
- Mortgage insurance
- $0
Loan repayment summary
$459,037
Estimated total interest over the selected term.
- Total principal
- $360,000
- Principal paid in year one
- $4,045
- Interest paid in year one
- $23,255
Purchasing Power Calculator
Estimate a home-price range from income, recurring debts and monthly housing costs.
Estimated home price
$351,000
A planning range—not an approval or prequalification.
- Estimated loan amount
- $321,000
- Principal & interest
- $2,030
- Taxes, insurance & HOA
- $819
- Estimated housing payment
- $2,849
Qualifying Loan Calculator
Estimate the principal-and-interest payment and loan amount supported by a selected debt-to-income target.
Estimated loan amount
$410,000
Program rules, credit, assets and documentation can materially change this estimate.
- Total monthly debt budget
- $4,300
- Available housing payment
- $3,550
- Available principal & interest
- $2,750
Rent vs. Buy Calculator
Compare estimated net housing cost over the years you expect to stay.
Estimated advantage after 7 years
$43,000
Buying has the lower estimated net cost under these assumptions.
- Total rent paid
- $229,000
- Estimated net cost to own
- $186,000
- Estimated equity at sale
- $132,000
Refinance Calculator
Compare the current loan with a proposed new loan, including estimated closing costs.
Estimated monthly P&I savings
$180
Compare the break-even period with how long you expect to keep the loan.
- Current estimated P&I
- $2,450
- Proposed estimated P&I
- $2,155
- Break-even period
- 24 months
- Estimated lifetime interest change
- $0
15 vs. 30 Year Calculator
Compare the required payments, total interest and the flexibility of voluntarily paying more on a 30-year loan.
30-year payment flexibility
$700
Difference between the required 15-year and 30-year principal-and-interest payments.
- Required 30-year P&I
- $2,212
- Required 15-year P&I
- $2,929
- 30-year total interest
- $446,000
- 15-year total interest
- $177,000
- 30-year payoff using 15-year payment
- about 17 years
Temporary Buydown Calculator
Estimate early-year principal-and-interest payments and the funds required for a temporary rate buydown.
Estimated buydown subsidy
$15,000
Approximate funds needed to cover the temporary payment reduction.
Qualification is generally based on the full note rate and payment. Program rules vary.
Bi-Weekly Payment Calculator
Estimate the impact of paying half the monthly principal-and-interest payment every two weeks.
Estimated time saved
6 years
Bi-weekly payments create the equivalent of 13 monthly payments each year.
- Standard monthly P&I
- $2,275
- Payment every two weeks
- $1,138
- Estimated bi-weekly payoff
- 24 years
- Estimated interest saved
- $110,000
For educational planning only. Results are hypothetical estimates based solely on the information entered and may not be accurate. They do not determine eligibility, approval, denial, affordability, loan amount, program availability or final payment, and they are not a commitment to lend or a preapproval. Interest rates shown are user-entered assumptions—not advertised or current rates. Taxes, insurance, mortgage insurance, HOA dues, closing costs and program requirements vary. Consult a licensed mortgage professional for an individualized review.
Now You Have the Numbers. Let’s Build the Plan.
Take the SOHO Readiness Assessment and I’ll match you with the right loan, the right strategy, and a clear path to keys.