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What's My Payment? for iPhone & iPad

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Now Available in the App Store!!

What's My Payment? for iPhone & iPad

Download Now
What's My Payment?

FHA, VA, USDA, and Conventional Mortgage Calculators

Estimate your monthly mortgage payment with taxes, insurance, PMI, and program-specific fees, including FHA, VA, and USDA loans.

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Pick your loan type.

Each calculator is tuned to the rules of its loan program, so the payment you see reflects real world calculations.

Mortgage Calculator

Estimate your monthly payment with taxes, homeowners insurance, and PMI.

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FHA Loan Calculator

Includes upfront MIP, monthly MIP, and the 3.5% minimum down payment.

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VA Loan Calculator

Accounts for VA funding fee, exemptions, and zero-down purchases.

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USDA Loan Calculator

USDA Direct & Guaranteed loan calculations for eligible borrowers.

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Why our numbers match your lender

Built on the same formulas lenders use.

We've spent more than a decade refining payment math for conventional, FHA, VA, and USDA loans — the same calculations underwriters and loan officers rely on every day.

  • Accurate by design

    Every calculation uses the same formulas mortgage lenders use — including amortization, taxes, insurance, PMI, FHA MIP, and VA funding fees.

  • Updated for current guidelines

    We track current FHA MIP factors, VA funding fee tables, and county loan limits so your estimate reflects today’s rules.

  • Built for real decisions

    Adjustable inputs for rate, term, taxes, and insurance let you stress‐test a payment before you talk to a lender.

  • No login. No sales pitch.

    Use every calculator instantly. We never ask for personal information to show you a payment.

Specialized tools & lookups.

Supplementary tools and references for conventional, VA, FHA, and USDA buyers and homeowners.

Refinance Calculator

Compare your new payment, break-even point, and lifetime savings.

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Down Payment Calculator

Plan your down payment, closing costs, and cash to close.

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VA IRRRL Calculator

Streamline refinance payment for existing VA loan borrowers.

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VA Entitlement Calculator

Calculate remaining VA entitlement and second-tier eligibility.

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VA Cash-out Calculator

Use your home's equity to get cash back for nearly any purpose.

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FHA & Conforming Loan Limits

Look up 2026 FHA & Conforming loan limits by state and county.

Look up limits

How a mortgage payment is calculated.

A complete mortgage payment is more than principal and interest. Our calculators include the line items that move the real number you'll pay every month.

Principal & interest

Standard amortization based on your loan amount, interest rate, and term. This is the foundation of every payment estimate.

Property taxes

Annual property taxes are often divided and included in your monthly mortgage payment.

Homeowners insurance

Homeowners insurance is required and often included in your monthly payment.

Mortgage insurance & fees

Conventional PMI, FHA MIP, VA funding fees, and USDA guarantee fees differ by program.

Need to brush up on the basics? Read our mortgage guides.

For mortgage lenders & brokers

Put our calculators to work on your website.

Embed on your existing site

Drop a single snippet onto any page and our calculators load instantly. Branded for you, fully responsive, and lead capture ready.

See the embed demo

Standalone mortgage website

Already have a website? Complement it with a companion site built to convert on your own domain.

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Ready to go live?

Start your free trial • embed calculators, launch your companion site, and capture leads.

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