Mortgage Calculators
Use these free mortgage calculators to compare home-buying, refinance and payoff scenarios. Start with the tool that matches your question, then request personalized numbers when you are ready.
Choose a Mortgage Calculator
Want Numbers Based on Your Situation?
A personalized review can show how available loan programs, rate options and closing costs fit together for your specific goals.
Plan with clearer numbers
Home Buying Calculators
Mortgage Payment Calculator
Estimate principal and interest from a home price, down payment, interest rate and loan term. Then account for property taxes, homeowners insurance, HOA dues and mortgage insurance when applicable.
Estimate a mortgage paymentMortgage Buying Power Calculator
See how an interest-rate change or monthly payment target can affect an estimated loan amount and home price.
Estimate buying powerTemporary Mortgage Buydown Calculator
Model 2-1, 3-2-1 and other temporary payment schedules. Compare the initial principal-and-interest payments with the full note-rate payment.
Calculate a temporary buydownSeller Credit vs. Price Reduction Calculator
Compare how a seller credit or home-price reduction may affect cash needed at closing and the monthly principal-and-interest payment.
Compare the two optionsRefinance and Payoff Calculators
Mortgage Refinance Calculator
Compare a current mortgage with a proposed refinance, including payment changes, estimated savings, costs and break-even timing.
Compare a refinanceExtra Payment and Early Payoff Calculator
Estimate how recurring or lump-sum extra principal payments could change a mortgage payoff date and total interest paid.
Plan an early payoffWhich Mortgage Calculator Should I Use?
- Know the home price and want to estimate the payment? Start with the Mortgage Payment Calculator.
- Know the payment you want to stay near? Try the Mortgage Buying Power Calculator.
- Comparing an existing loan with a new one? Use the Mortgage Refinance Calculator.
- Want to pay your current mortgage off sooner? Use the Early Payoff Calculator.
- Negotiating a purchase offer? Compare the Temporary Buydown and Seller Credit vs. Price Reduction calculators.
How to Get a More Useful Estimate
Use realistic assumptions and compare one change at a time. A mortgage payment can include more than principal and interest, so consider property taxes, homeowners insurance, mortgage insurance and HOA dues when they apply.
Calculator results are a useful starting point, but they cannot account for every qualification rule, property detail, fee or available mortgage program.
Worked Example
Illustrative example only—not a rate quote.
A $500,000 home with 10% down would produce a $450,000 loan amount. At an illustrative 6.50% rate over 30 years, the estimated principal-and-interest payment would be approximately $2,844 per month. Property taxes, homeowners insurance, mortgage insurance and HOA dues would increase the total housing payment.
Using These Calculators for a San Luis Obispo County Home
Property taxes, homeowners insurance, HOA dues and loan pricing can vary by property and borrower. If you are buying or refinancing in San Luis Obispo County, use these calculators to compare scenarios, then request a personalized quote based on the property and your qualifications.
Mortgage Calculator FAQs
Are mortgage calculator results exact?
No. Results depend on the assumptions entered and may not include every cost, qualification rule or program requirement. Use them for planning, then request personalized loan terms.
What costs may be missing from a mortgage calculation?
Depending on the tool, a result may exclude property taxes, homeowners insurance, mortgage insurance, HOA dues, closing costs, prepaid expenses or loan-program fees.
Will using these calculators affect my credit?
No. Using a calculator on this page does not authorize a credit inquiry or submit a mortgage application.