Calculators
Free tools for real estate agents, homebuyers and homeowners. Each one can copy a link that keeps your numbers, so you can send the same scenario to someone else.*
Tap or click any calculator below to open it.
* Examples only. Every rate, price and cost already filled in on these calculators (such as a 6.5% rate) is a sample to get you started. It is not a current rate, an advertised rate or an offer from us, and not the rate you would get. Replace the sample numbers with your own. Results are estimates, not a loan offer, a Loan Estimate or a commitment to lend. Actual rates and terms depend on your credit, down payment, property and loan program, and are not guaranteed until locked in writing. Subject to credit approval.
For real estate agents
Use these at a showing, while writing an offer, or at a listing appointment to show a client what a price, rate or sale would mean in dollars.Purchasing power estimator
See how much home a buyer may be able to afford, using two planning scenarios.
Monthly payment
The full estimated monthly cost of a home: principal, interest, tax, insurance, HOA and mortgage insurance.
Rent vs. buy
Compare the total cost of renting with buying over the years you expect to stay.
Seller credit vs. price cut vs. rate buydown
Compare three ways to use the same amount of seller money: lower the price, cover closing costs, or buy down the rate.
Debt-to-income ratio
See what share of monthly income goes to housing and to all debts together.
Down payment comparison
See how the monthly payment and cash needed change at different down payment amounts.
Cash purchase vs. financing
Compare paying all cash with getting a loan: cash needed, interest paid, and cash kept free.
VA loan estimator
Estimate the monthly payment and VA funding fee on a VA-backed home purchase, with no monthly mortgage insurance.
Cash to close
Estimate the cash a buyer needs at closing: down payment, closing costs and prepaid items.
Seller net proceeds
What a seller may take home after the sale, and the price needed to reach a target.
Points and rate comparison
Paying points lowers your rate but costs more up front. See how many months it takes for the lower payment to make up that cost.
Home equity and mortgage insurance
Your equity, your loan-to-value ratio, and how far you are from the 80% mark, where mortgage insurance can often be removed.
Amortization schedule
See every payment split into principal and interest, with the balance after each one.
Total cost of a loan
Add up principal, interest, points and closing costs to see what a loan costs in total.
Loan comparison
Compare two loans side by side: monthly payment, total interest, and when the lower-rate loan starts to save money.
For homebuyers
Use these to see what buying a home costs each month and at closing, before you talk to a lender.Purchasing power estimator
See how much home a buyer may be able to afford, using two planning scenarios.
Monthly payment
The full estimated monthly cost of a home: principal, interest, tax, insurance, HOA and mortgage insurance.
Rent vs. buy
Compare the total cost of renting with buying over the years you expect to stay.
Seller credit vs. price cut vs. rate buydown
Compare three ways to use the same amount of seller money: lower the price, cover closing costs, or buy down the rate.
Debt-to-income ratio
See what share of monthly income goes to housing and to all debts together.
Down payment comparison
See how the monthly payment and cash needed change at different down payment amounts.
Cash purchase vs. financing
Compare paying all cash with getting a loan: cash needed, interest paid, and cash kept free.
VA loan estimator
Estimate the monthly payment and VA funding fee on a VA-backed home purchase, with no monthly mortgage insurance.
Cash to close
Estimate the cash a buyer needs at closing: down payment, closing costs and prepaid items.
Points and rate comparison
Paying points lowers your rate but costs more up front. See how many months it takes for the lower payment to make up that cost.
Amortization schedule
See every payment split into principal and interest, with the balance after each one.
Total cost of a loan
Add up principal, interest, points and closing costs to see what a loan costs in total.
Loan comparison
Compare two loans side by side: monthly payment, total interest, and when the lower-rate loan starts to save money.
For homeowners
Use these to look at a loan you already have: refinancing, paying it off sooner, or removing mortgage insurance.Seller net proceeds
What a seller may take home after the sale, and the price needed to reach a target.
Refinance break-even
How long it takes for a refinance to pay for itself, and what it does to total interest.
Extra payments
See how much sooner a loan is paid off, and how much interest you save, by paying a little extra each month.
Points and rate comparison
Paying points lowers your rate but costs more up front. See how many months it takes for the lower payment to make up that cost.
Home equity and mortgage insurance
Your equity, your loan-to-value ratio, and how far you are from the 80% mark, where mortgage insurance can often be removed.
Amortization schedule
See every payment split into principal and interest, with the balance after each one.
Total cost of a loan
Add up principal, interest, points and closing costs to see what a loan costs in total.
Loan comparison
Compare two loans side by side: monthly payment, total interest, and when the lower-rate loan starts to save money.