Mortgage Calculators &amp; Tools

Mortgage Calculator

Estimate your monthly payment — principal, interest, taxes, and insurance — and see how rate, term, and down payment move the number.

Home Affordability

Work backward from your income and debts to a real price range — the full payment included, so it’s a number that actually holds up.

Payment to Price

Have a monthly payment in mind? Work backward from it — taxes and insurance included — to the home price that actually fits.

Rent vs. Buy

The honest break-even between renting and buying — maintenance, taxes, and the opportunity cost of your down payment included, not just payment versus rent.

Costs & comparing offers

Cash to Close

Your down payment is only part of it. Add closing costs, title, PA transfer tax, escrow setup, and prepaid interest — then subtract your deposit — to see the real number you bring to the table.

Escrow & Prorations

Pick your state, enter your real tax bills — or just your assessed value in Allegheny, Butler, and Washington counties — and see your escrow deposit, prorations, and the month-by-month disclosure before the lender generates it.

APR Calculator & Decoder

Enter a quote’s rate and APR and see how much in points and fees is buried in the gap — or build an APR from a rate and its costs.

Discount Points

When does permanently buying down your rate actually beat keeping the cash? Run the break-even on points before you commit.

Compare Loan Estimates

Drop in two or more Loan Estimates and line up Section A and the rate — the escrow noise stripped out — so you compare the loan itself, not the headline number.

PA Transfer Tax & Closing Cost

Pennsylvania buyers: estimate realty transfer tax by county and municipality — often the single biggest line at a PA closing — plus the rest of your closing costs.

Refinance

Blended Rate Calculator

Your true blended rate across every debt — and whether a cash-out refinance or a second mortgage costs less when your first loan sits at a low rate.

Refinance Break-Even

See how long a refinance takes to pay for itself — plus the honest lifetime-interest comparison most calculators quietly skip.

ARM Adjustment

Your adjustable rate is resetting. See the new rate and payment with today’s index filled in, where it goes at the next adjustments, and whether refinancing beats it.

Refinance Buydown Calculator

Compare what a 2-1 or 1-0 temporary buydown actually costs against taking the same rate as a lender credit — side by side, on your own loan.

Pay down your loan

Extra Payment

See what an extra hundred or two a month does to your payoff date and total interest. It’s usually more than people expect.

Principal Balance

Find out exactly what you still owe — and how much has gone to principal versus interest — at any point in the loan.

Recast Calculator

Put a lump sum toward principal and see your new payment at the same rate and payoff date — plus the honest comparison against keeping your payment and finishing early.

Specialized loans

VA Funding Fee

See your exact VA funding fee by first or repeat use, down payment, and exemption — and what it costs financed into the loan. With a disability rating, it’s zero.

Reverse Mortgage Calculator

For homeowners 62 and older. Estimate HECM proceeds from HUD’s actual factor table — with the real upfront costs deducted, and the credit-line growth shown honestly.

Reverse Mortgage vs. HELOC

For homeowners weighing the two. Put a HECM and a home-equity line side by side — upfront cost, monthly payment, and access to cash — and see which one actually fits.

DSCR Calculator

For rental property. Enter the price, financing, and projected rent to see whether the rent covers the payment — and which DSCR tier the deal lands in.

Rental Return Calculator

For rental property. Enter price, financing, rent, and costs to see monthly cash flow, cash-on-cash return, and the full cash to close — with PA transfer tax figured by municipality.

Get your file ready

Tool

Document Checklist

Answer a few questions about your income, your down payment, and your situation, and get the exact list of documents to gather — built to surface the wrinkles, like foreign property or a co-owned home, before they cost you time.

Open the tool → Tool

Bank Statement Instructions

Pick your bank — 19 preloaded, from Chase to Fidelity to Robinhood — choose interim or full statements for each account, and get the exact steps in the format underwriting accepts: PDF, every page, never CSV.