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Accurate mortgage calculators for every loan type.
Estimate your monthly mortgage payment with taxes, insurance, PMI, and program-specific fees. Includes FHA, VA, USDA, conventional, and more.
Put our calculators to work on your website.
Standalone mortgage website
Already have a website? Complement it with a companion site built to convert on your own domain.
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.
Open calculatorFHA Loan Calculator
Includes upfront MIP, monthly MIP, and the 3.5% minimum down payment.
Open calculatorVA Loan Calculator
Accounts for VA funding fee, exemptions, and zero-down purchases.
Open calculatorUSDA Loan Calculator
USDA Direct & Guaranteed loan calculations for eligible borrowers.
Open calculatorBuilt 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.
Open calculatorVA Entitlement Calculator
Calculate remaining VA entitlement and second-tier eligibility.
Open calculatorVA IRRRL Calculator
Streamline refinance payment for existing VA loan borrowers.
Open calculatorVA Cash-out Calculator
Use your home's equity to get cash back for nearly any purpose.
Open calculatorFHA & Conforming Loan Limits
Look up 2026 FHA & Conforming loan limits by state and county.
Open calculatorDown Payment Calculator
Plan your down payment, closing costs, and cash to close.
Open calculatorHow 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.
