Free Mortgage Tools

Know your numbers
before the lender does.

Estimate your monthly mortgage payment and how much house you can actually afford — with the same math lenders use. No sign-up, no email, just real numbers.

Calculator 1

Monthly mortgage payment

Enter your home price, down payment, rate, and term to see your monthly principal & interest — plus the full payment breakdown with taxes and insurance.

$
$
20% down
%
$
About 1% of home value is typical — adjust for your area
$
Estimated monthly payment
$0
Principal & interest$0
Property tax$0
Homeowners insurance$0
Total monthly$0
Loan amount$0
Total interest paid$0
Total cost of loan$0
Estimate only. Doesn't include PMI, HOA, or closing costs. For a payment under 20% down, lenders usually add private mortgage insurance (PMI).
Calculator 2

How much house can I afford?

Based on your income and monthly debts, this uses the 28/36 rule lenders apply — no more than 28% of gross income on housing, and 36% on all debt combined.

$
$
$
Car, student loans, credit cards, etc. — not counting rent
%
Max home price you can afford
$0
Max monthly payment (P&I)$0
Loan amount$0
Down payment$0
Front-end ratio (housing)0%
Back-end ratio (all debt)0%
Uses the 28/36 guideline with estimated tax & insurance (~1.35% of price annually). Lenders also check credit score, employment, and reserves. A higher score and lower debt raise what you can afford.

Get mortgage-ready, not just pre-qualified.

Your credit score changes the rate you qualify for — and a 1% rate difference can mean tens of thousands over a loan. We'll help you get your score where it needs to be before you apply.

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