Monthly Payment Calculator
Estimate your full monthly payment: principal, interest, taxes, insurance, HOA, and mortgage insurance.
Principal & Interest
$2,275
Taxes + Insurance + HOA + MI
$625
Total Monthly Payment
$2,900
Actual escrow amounts and mortgage insurance can differ from estimates. FHA upfront financing may affect principal—handled explicitly by your lender at application.
Affordability Calculator
Estimate a planning range for how much home you may afford based on income, debts, and down payment.
Est. Max Loan
$253,137
Est. Max Home Price
$293,137
Max Monthly Housing
$2,100
This estimates a planning range, not underwriting approval. There is no single universal DTI threshold—adjust the ratios to compare scenarios.
Amortization Calculator
See how each payment splits between principal and interest, total interest, and the effect of extra payments.
Monthly Payment
$2,023
Total Interest
$408,142
Payoff Time
360 months
| Month | Payment | Interest | Principal | Balance |
|---|---|---|---|---|
| 1 | $2,023 | $1,733 | $289 | $319,711 |
| 13 | $2,023 | $1,714 | $309 | $316,115 |
| 25 | $2,023 | $1,693 | $329 | $312,278 |
| 37 | $2,023 | $1,671 | $351 | $308,184 |
| 49 | $2,023 | $1,648 | $375 | $303,816 |
| 61 | $2,023 | $1,623 | $400 | $299,155 |
| 73 | $2,023 | $1,596 | $427 | $294,182 |
| 85 | $2,023 | $1,567 | $455 | $288,877 |
| 97 | $2,023 | $1,537 | $486 | $283,215 |
| 109 | $2,023 | $1,504 | $518 | $277,175 |
| 121 | $2,023 | $1,469 | $553 | $270,730 |
| 133 | $2,023 | $1,432 | $590 | $263,854 |
| 145 | $2,023 | $1,393 | $630 | $256,517 |
| 157 | $2,023 | $1,351 | $672 | $248,689 |
| 169 | $2,023 | $1,306 | $717 | $240,336 |
| 181 | $2,023 | $1,258 | $765 | $231,424 |
| 193 | $2,023 | $1,206 | $816 | $221,916 |
| 205 | $2,023 | $1,152 | $871 | $211,770 |
| 217 | $2,023 | $1,093 | $929 | $200,945 |
| 229 | $2,023 | $1,031 | $991 | $189,395 |
| 241 | $2,023 | $965 | $1,058 | $177,071 |
| 253 | $2,023 | $894 | $1,129 | $163,922 |
| 265 | $2,023 | $818 | $1,204 | $149,893 |
| 277 | $2,023 | $738 | $1,285 | $134,924 |
| 289 | $2,023 | $652 | $1,371 | $118,952 |
| 301 | $2,023 | $560 | $1,463 | $101,911 |
| 313 | $2,023 | $462 | $1,561 | $83,728 |
| 325 | $2,023 | $357 | $1,665 | $64,328 |
| 337 | $2,023 | $246 | $1,777 | $43,628 |
| 349 | $2,023 | $127 | $1,896 | $21,542 |
Shows yearly snapshots (first 30 years). Extra payments reduce balance and interest; balances never go negative.
Rent vs. Buy Calculator
Compare the total net cost of renting versus buying over a holding period. We don't force buying to win.
Total Rent Paid
$183,899
Net Cost of Buying
$178,303
Lower Cost: Buying
$5,596
No automatic tax-benefit assumptions are included. Results depend heavily on appreciation, holding period, and selling costs—adjust the inputs to compare scenarios honestly.
Refinance Break-Even Calculator
Compare your current loan to a proposed refinance: monthly savings, break-even, and total-interest tradeoff.
Monthly Savings
$240
Break-Even
21 months
Total Interest Δ
-$37,531
Lowering your monthly payment by extending the term may increase total interest. Separate cash-out and payment-change effects from true savings. "No break-even" is shown when savings aren't positive.
HELOC Payment Calculator
Estimate payments on a drawn HELOC balance under interest-only or amortizing scenarios.
Interest-Only Payment
$354
Amortizing Payment
$434
Your Est. Payment
$354
HELOC rates are typically variable—payments may change, and may increase after the draw period. Not every product permits interest-only payments or the same draw period.
Investor Cash-Flow & DSCR Calculator
Model rental operating cash flow, cash-on-cash return, and a DSCR estimate. Operating return is separate from lender qualification.
Monthly Cash Flow
-$265
Annual Cash Flow
-$3,177
Cash-on-Cash
-5.3%
DSCR (rent ÷ PITIA)
1.02
DSCR formula shown: qualifying rent ÷ PITIA (principal, interest, taxes, insurance, association dues). Lender definitions and thresholds vary—there is no universal qualifying ratio, and DSCR is not guaranteed approval.
Talk it through
Numbers are just the start
A calculator can't see your full situation. Let's review your results together and find your next step.