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Mortgage calculators
Run the numbers before you call. Every calculator here works on your phone, updates as you type and uses California tax and insurance estimates.
Adjust taxes, insurance and HOA
- Principal and interest$0
- Property tax$0
- Home insurance$0
- Mortgage insurance$0
- HOA dues$0
We solve for the highest price whose full payment, property tax, insurance and PMI included, lands on your number. Lenders also check your income and debts; this is the payment side only.
Your current loan
The new loan
All figures are estimates for planning only. Property tax is estimated at 1.15% and home insurance at 0.30% of the home’s value per year; HOA dues and mortgage insurance are also estimates. Actual figures vary by property, coverage and lender. Enter your own figures where you know them. Not a quote or a commitment to lend.
Every calculator
Mortgage payment calculator
Your full monthly payment: principal, interest, property tax, insurance, PMI and HOA.
Mortgage affordability calculator
Start from your income and debts and see the home price a lender is likely to approve.
Amortization calculator
A year-by-year schedule of principal, interest and balance, with extra payments.
Biweekly mortgage calculator
How paying half a payment every two weeks shortens the loan and saves interest.
Refinance calculator
Monthly savings, break-even months and lifetime interest for a new rate and term.
HELOC equity calculator
How large a line your equity supports, and how it compares with a cash-out refinance.
From estimate to real numbers
A mortgage calculator is only as good as the rate you type into it. When you are ready for real pricing, our live rate pricer pulls today’s wholesale rates for your exact loan amount, county and credit, and shows the closing costs for each option. There is no sign-up and no credit pull.
Already own your home and thinking about a project? California HELOC rates start at 7.49% APR, and the HELOC calculator shows how much of your equity you can use while keeping your current mortgage.
Questions people ask
Which mortgage calculator should I start with?
If you are shopping for a home, start with affordability to set a price range, then use the payment calculator to see the monthly cost of a specific home. If you already own, the refinance and HELOC calculators answer whether to change your loan or borrow against it.
Are calculator results a quote?
No. They use the figures you enter and our estimates for taxes, insurance and mortgage insurance. For an actual rate with closing costs, use the live pricer or call 800-801-5626.