Mortgage calculator

Real math, no email required.

Move the sliders. Get real numbers in seconds. Three calculators — monthly payment, affordability, and refinance savings — pick what you need.

What will my payment be?

The full picture — principal, interest, taxes, insurance, HOA, PMI. Closer to what you'll actually owe each month.

Total monthly payment
$2,985
Principal & Interest$2,335
Taxes$450
Insurance$150
HOA$0
PMI$0
Get a real quote →

Estimates only. PMI is included when down payment is below 20%.

How much house can I afford?

Based on your income, debts, and savings. Uses the 28/36 rule — the standard lenders apply.

You can afford a home up to
$425,000
Based on the 36% debt-to-income standard.
Estimated monthly payment
$2,750
Principal, interest, and a rough estimate of taxes/insurance.
Let's run real numbers →

Should I refinance?

Compare your current loan against a potential new one. See your monthly savings AND when you'd break even on closing costs.

Monthly savings
$235
vs. your current payment.
Break-even point
34 months
when your savings cover closing costs.
Let's see if it makes sense →

These are estimates only — they don't include all loan costs. For a real quote with current rates, let's chat.

Numbers look good?

Let's run yours with current rates and actual programs. 30 minutes on the phone, no pressure.