Home loan calculator
Estimate a payment for a new home, or compare your current mortgage with a refinance or cash-out option. Your numbers stay on this page unless you choose to save or share them. Looking up a ZIP code or a property address sends that ZIP or address (not your numbers) to our lookup services, and running the optional soft credit check sends your name and address to our credit partner.
Start with the property address (optional)
Optional: we can look up the home value, balance, rate and taxes for this address. Or skip it and enter your own figures below.
What are you looking to do?
Refinance Type
What's your goal?
Optional. It helps your loan officer; the calculator doesn't pick an option for you.
Current mortgage
Estimated: enter your loan's actual start date. Until you do, the remaining term, current balance and any FHA insurance below use this assumed date.
No PMI (LTV ≤ 80%)
Enter your original loan amount and rate to see your payment, remaining term and balance.
P&I = principal & interest only. PITI = principal, interest, taxes & insurance (the full housing payment).
Debts to pay off
Add any credit cards or loans you'd like to consider paying off with your new loan.
Estimated rates follow each debt's type: a card from its minimum payment, an auto, student or personal loan from its payment over a typical term. They're rough estimates; your statement shows the real rate.
Your options — three ways to structure it
Estimated closing costs: $4,500 (an estimate; tap to see or change the lines)
These are typical figures for a refinance, not a quote. The real costs depend on your state, the title company and the loan, and your Loan Estimate will list them. Lender fees (origination, underwriting, processing) vary by lender. Title and government recording costs vary widely by state, and some states tax a refinance at recording. Prepaids (interest and homeowners insurance) and escrow deposits aren't included. The total is added to the new loan amount.
Enter the home value and what you'd borrow (your loan, debts or cash out) to check the loan-to-value limit.
Enter the rate and points from each quote you're comparing. We don't fill in rates for you; your actual rate, points and terms are set when a loan officer prices your full file.
Option A — Lower rate
Higher points, better rate
The new loan amount and LTV appear once the home value and what you'd borrow are in.
Option B — Middle
Balanced rate and points
The new loan amount and LTV appear once the home value and what you'd borrow are in.
Option C — Higher rate
Fewer points, lower upfront cost
The new loan amount and LTV appear once the home value and what you'd borrow are in.
Buying a home
Enter your own numbers to estimate a monthly payment. Nothing is filled in for you, and nothing you type leaves this page.
Enter the home price, down payment, interest rate and loan term to see an estimate.
These are estimates, not an offer or a commitment to lend. Your actual rate, payment and costs depend on your credit, the property and the loan you choose, and all loans must meet underwriting guidelines. Taxes, insurance, dues and mortgage insurance use the amounts you enter.