Live Market
10-Yr Treasury4.58%Prime Rate6.75%30-Yr Fixed6.65%15-Yr Fixed6.09%S&P 5007,473.50+0.37%Nasdaq26,343.97+0.19%Dow50,579.70+0.58%AAPL308.82+1.26%MSFT418.57-0.12%NVDA215.33-1.90%GOOGL382.97-1.21%AMZN266.32-0.80%Tech (XLK)180.39+1.00%10-Yr Treasury4.58%Prime Rate6.75%30-Yr Fixed6.65%15-Yr Fixed6.09%S&P 5007,473.50+0.37%Nasdaq26,343.97+0.19%Dow50,579.70+0.58%AAPL308.82+1.26%MSFT418.57-0.12%NVDA215.33-1.90%GOOGL382.97-1.21%AMZN266.32-0.80%Tech (XLK)180.39+1.00%

Free Mortgage Calculators

Free, educational mortgage and home-equity calculators for any state — purchase, VA, reverse, cash-out, HELOC, and HELOAN comparisons, using your state’s real tax and insurance data. Each gives an illustrative estimate — never a quote, pre-qualification, or commitment to lend. Verify every number with a licensed lender in your state.

Home Purchase CalculatorModel a home purchase for any program — conventional, FHA, VA, or jumbo. Pick your loan type, set an approximate rate, and see the full monthly payment and cash to close for your state. Refinancing instead? Use the refinance calculator.Refinance CalculatorModel a rate-and-term or cash-out refinance for conventional, FHA, or jumbo financing. Enter your home value and current balance, set an approximate new rate, and see the new payment, loan-to-value, and (for cash-out) the funds available. An educational estimate, never a quote.VA Loan CalculatorModel a VA purchase, VA cash-out refinance, or IRRRL streamline — $0-down purchases, the correct one-time VA funding fee for your use and exemption status, and no monthly PMI. Pick the loan purpose, set an approximate rate, and see the payment. An educational estimate, never a quote.Reverse Mortgage (HECM) CalculatorEstimate how much equity a homeowner 62+ could access with an FHA-insured HECM reverse mortgage — principal limit, upfront costs, and net proceeds after paying off an existing mortgage. An educational estimate, never an offer.ARM CalculatorSee how an adjustable-rate mortgage (ARM) could change over time — the fixed intro payment, the estimated payment at the first adjustment (index + margin, held within your caps), and the worst-case payment at the lifetime cap. Educational only, never a quote.Jumbo Loan CalculatorEstimate the monthly payment on a jumbo loan — a mortgage above your county's conforming limit — with real tax and insurance estimates for your state. An educational estimate, never a quote.Home Budget CalculatorSee the home price your monthly budget comfortably supports — with your state's real taxes and insurance baked in, plus credit-health tips to strengthen your buying power.Pre-Qualification EstimatorLearn how lenders read debt-to-income (DTI) ratios and get an educational estimate of the home price range your income and debts may support.Blended Rate CalculatorCombining a low first mortgage with a HELOC or second lien? See your weighted blended rate and combined payment, and compare it to today's published average.DSCR Loan CalculatorEstimate the Debt-Service Coverage Ratio on an investment property — rent divided by the total monthly payment (PITIA). Qualifies on the property's cash flow, not your personal income. Educational estimate, never a quote.Debt Consolidation CalculatorSee how consolidating high-interest debt into a mortgage-rate loan could change your monthly payment — and the total-cost trade-off. Educational estimate, never a quote.Cash-Out Refinance CalculatorCompare a cash-out refinance against a rate-and-term refi — your new payment, cash to you, resulting LTV, and break-even on closing costs.HELOC vs. HELOAN CalculatorCompare a HELOC (revolving line) against a HELOAN (fixed home equity loan) at your own numbers — payment, total interest, and total cost.Affordability + Eligibility QuizPrefer a guided walkthrough? Answer a few questions and get a personalized educational report — programs, price range, and next steps. No credit pull.Calculators by CityEvery calculator, pre-filled with real local property-tax and insurance figures for each of our covered cities — start with local numbers.Free Educational BookletsPlain-English PDF booklets for every loan type — FHA, VA, conventional, jumbo, reverse, and more. Free, no sales calls.Mortgage GlossaryEvery term the calculators use — PITI, LTV, DTI, MIP, points, escrow — defined in plain English.
By City

City Calculators

Each calculator also comes pre-filled with real county property-tax and homeowners-insurance figures for these cities — pick yours to start with local numbers, then adjust every input.

JacksonvilleOrlandoMiamiTampaTallahasseeSt. PetersburgHialeahPort St. LucieSarasotaPensacolaLos AngelesSan DiegoSan JoseSan FranciscoFresnoSacramentoLong BeachOaklandFremontSunnyvalePasadenaIrvineCarlsbadReddingOceansideCoronado