Start with realistic inputs
Use numbers that resemble the home price, down payment and interest rate you may actually face—not the maximum amount a lender might approve.
Housefinan calculators
Test the numbers before you choose the mortgage.
Use U.S.-specific mortgage calculators to explore monthly payment, rate structure, refinancing and down-payment scenarios. Change one assumption at a time and compare the result with real lender disclosures before making a decision.
U.S. mortgage tools
Choose what you want to calculate.
Four different questions: what the payment may look like, how fixed and adjustable rates behave, whether refinancing can break even, and how down payment can change the financing structure.
U.S. calculator · plannedMortgage payment
Estimate your monthly mortgage payment.
Enter home price, down payment, interest rate and loan term to estimate principal and interest, then add planning inputs for property taxes, homeowners insurance and mortgage insurance when relevant.
Principal & interest30- or 15-year scenariosTaxes & insuranceEstimated total payment
Calculator coming next 
U.S. comparison · plannedFixed-rate vs. ARM
Compare a fixed-rate mortgage with an ARM.
Use the same loan amount and term to compare the certainty of a fixed rate with an adjustable-rate scenario, including an initial rate period and a later hypothetical rate.
Fixed vs. adjustableInitial ARM periodPayment-change scenariosInterest comparison
Comparison tool coming next 
Refinance · plannedRefinance break-even
Estimate whether a refinance could pay back its upfront cost.
Compare your current payment with an estimated new loan, add refinance closing costs, and calculate an approximate break-even period based on monthly savings.
Current vs. new paymentClosing-cost inputMonthly savingsBreak-even months
Calculator coming next 
Down payment · plannedDown payment & mortgage insurance
See how your down payment can change the loan structure.
Compare purchase-price and down-payment scenarios and plan for mortgage insurance where it may apply. The tool will distinguish estimates from lender- and program-specific rules.
Down-payment percentageLoan amountEstimated insurance impactCash planning
Planner coming next How to use the calculators
Use the result as a scenario, not a ceiling.
Separate principal & interest from total housing cost
Property taxes, homeowners insurance, mortgage insurance and HOA dues can materially change the amount you pay each month.
Compare the result with the Loan Estimate
Once you apply, use the lender's Loan Estimate to check the actual rate, APR, monthly payment, closing costs and estimated cash to close.
U.S. mortgage context
What these tools should account for.
Total monthly payment
Principal and interest are only part of the picture. Escrowed property taxes and homeowners insurance, plus mortgage insurance when applicable, can raise the total monthly payment.
Closing costs & cash to close
Upfront lender fees, third-party services, prepaid items and initial escrow deposits can affect how much cash you need at closing.
Loan-program rules
Conventional, FHA, VA and USDA financing can use different eligibility, insurance and down-payment rules. A calculator cannot determine program eligibility.
Start with the monthly payment.
The first U.S. calculator will estimate principal and interest and let you layer in the major housing costs that can change the real monthly total.