Mortgage Calculator

Estimate your monthly payment and cash needed to close. Adjust loan type, down payment, rate, and all buyer costs.

Buyer Calculator

Estimate Your Out-of-Pocket Costs + Monthly Payment

Built from the buyer's perspective — estimate cash needed to close, lender-related costs, prepaid items, and your projected monthly payment before making a move.

Purchase & Financing

Cash to Close Adjustments

Applied as a credit toward your cash due at closing.
Used to estimate lender fees, title/settlement, and general closing charges.
Set the compensation percentage here.
Flat buyer-paid broker / transaction fee.
If seller-paid, this amount will display for clarity but will not be added to the buyer's cash needed.

Monthly Ownership

Estimated Results

Cash to Close
$0
Down payment + estimated closing costs + prepaid / misc. costs minus credits and deposits already paid.
Monthly Payment
$0
Principal, interest, taxes, insurance, HOA, mortgage insurance, and extra monthly ownership costs.
Loan Amount
Purchase price minus down payment.
$0
Down Payment
Based on your selected down payment percentage.
$0
Estimated Closing Costs
Calculated from the percentage entered above.
$0
Prepaids / Upfront Costs
Inspection, appraisal, misc., and reserve cushion.
$0
Buyer's Broker Compensation
Estimated from the percentage entered above.
$0
Broker Fee
Flat buyer-paid broker / transaction fee.
$0
Credits Applied
Seller credits plus earnest money deposit already paid.
-$0
Estimated Buyer Cash Needed
Final estimate of funds needed to close.
$0
Principal & Interest
Monthly mortgage payment based on rate and term.
$0
Taxes
Annual taxes divided monthly.
$0
Insurance
Annual homeowners insurance divided monthly.
$0
Mortgage Insurance
Estimated based on loan type and down payment.
$0
HOA + Other Monthly Costs
HOA dues and added ownership reserves.
$0
Estimated Total Monthly Payment
Useful for quick budgeting before you shop.
$0
These figures are estimates only and should be reviewed with your lender, insurance provider, title company, and real estate professional before making final decisions.
Disclaimer: This tool is intended for general planning purposes only. Actual financing terms, mortgage insurance, taxes, insurance premiums, lender fees, and closing figures may vary based on credit profile, loan program, location, property type, negotiations, and lender/title estimates.