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Mortgage Payment Calculator
Estimate principal, interest, property taxes, homeowners insurance, and HOA dues in one monthly payment.
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Free mortgage planning resources
Tools for a smarter move.
Run the numbers before making the decision. Use these calculators to estimate monthly payments, buying power, debt-to-income ratios, and potential refinance savings.
No signup required. Results are estimates and are intended for educational planning only.
Payment snapshot
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Estimated monthly housing payment
$3,428 / month
Your mortgage tool library
Start with the question you need to answer.
Choose a calculator below. The first four tools are active on this page. The remaining cards are examples that can be replaced with your future tools.
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Home Affordability Calculator
Estimate a possible home-price range based on income, debts, down payment, rate, taxes, and insurance.
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Refinance Break-Even Calculator
Compare estimated monthly savings with closing costs to see how long it may take to recover the cost of refinancing.
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Debt-to-Income Calculator
Estimate your front-end and back-end debt-to-income ratios using monthly income, housing, and recurring debt payments.
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Example tool
Down Payment Planner
Future tool example: set a target purchase price, compare down-payment options, and create a monthly savings goal.
Example tool
Closing Cost Estimator
Future tool example: organize lender costs, title and escrow charges, prepaid items, and estimated cash to close.
Example tool
Home Equity Snapshot
Future tool example: estimate available equity using an estimated property value and current mortgage balance.
Example tool
Reverse Mortgage Readiness
Future tool example: review age, occupancy, equity, taxes, insurance, and long-term homeownership goals.
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Interactive calculators
Estimate the numbers. Then understand the strategy.
Open any calculator below, enter your information, and review the estimate. These tools are designed to start a conversation—not replace a complete loan analysis.
Estimated monthly payment
$4,498
Principal & interest$3,698
Taxes$650
Insurance$150
HOA$0
Estimated loan amount: $585,000
Estimate only. This calculation does not include mortgage insurance, special assessments, flood insurance, supplemental property taxes, closing costs, or other charges that may apply.
Estimated home price
$650,135
Estimated loan$575,135
Housing budget$4,475/mo
Down payment$75,000
Target DTI43.0%
Actual qualification depends on the loan program, credit, reserves, property, taxes, insurance, mortgage insurance, and underwriting guidelines.
Estimate only. This simplified model assumes a 30-year fixed-rate loan and uses your selected debt-to-income target. It is not a loan approval or commitment to lend.
Estimated break-even point
17 months
Monthly savings$450
Annual savings$5,400
Closing costs$7,500
Five-year gross savings$19,500
At this estimated savings level, the closing costs may be recovered in about 17 months.
Estimate only. Compare interest paid, loan term, cash-to-close, points, mortgage insurance, taxes, escrow changes, and how long you expect to keep the new loan—not only the monthly payment.
Estimated back-end DTI
36.8%
Front-end DTI28.0%
Total monthly debt$4,600
Housing payment$3,500
Gross monthly income$12,500
This estimate is between 35% and 43%. Some programs may allow it depending on the full financial profile.
Estimate only. Underwriting may calculate income and debt payments differently. DTI limits vary by loan program and may be influenced by credit, reserves, loan-to-value, occupancy, property type, and other risk factors.
Use the tools in order
Turn estimates into a real plan.
Estimate
Use the calculators to understand a possible payment, price range, ratio, or savings opportunity.
Compare
Change one number at a time so you can see how the rate, down payment, debt, or costs affect the result.
Verify
Review the complete picture with Pat before making an offer, refinancing, or using home equity.
The calculator gives you a number. The conversation gives you context.
Let’s review your income, debts, cash, goals, and comfort level so you can understand which mortgage strategy actually fits your life.