Mortgage Points Calculator
Determine how long it takes for the monthly savings from buying mortgage discount points to outweigh their up-front cost...
Calculators and explainers tagged under Mortgage.
Determine how long it takes for the monthly savings from buying mortgage discount points to outweigh their up-front cost...
Compute the down-payment dollar amount needed to hit a target loan-to-value ratio (e.g. 80 % to avoid PMI) on a home of...
See how much you would save each month, over the life of the loan, and how many months it takes to recover closing costs...
Compute the full monthly housing payment (principal + interest + property tax + homeowners insurance + PMI) for a mortga...
Compute the number of months it takes for the monthly savings from refinancing into a lower rate to recoup the upfront c...
Estimate when private mortgage insurance can be cancelled — both at the LTV-80 % "request" threshold and the LTV-78 % "a...
Compute the loan-to-value ratio for a mortgage: LTV = loan amount / lower of (appraised value, purchase price). Conventi...
Estimate the monthly Private Mortgage Insurance (PMI) cost when down payment is below 20%, plus the months until LTV rea...
Estimate how many months you knock off a fixed-rate mortgage and how much interest you save by adding a constant extra p...
Estimates the maximum home price based on: monthly income × 28% (PITI limit) → maximum monthly payment → maximum mortgag...
Compute the front-end (housing) debt-to-income ratio used in mortgage qualification. PITI (principal + interest + taxes...
Compute the back-end debt-to-income ratio used by mortgage underwriters: sum of monthly housing payment (PITI) plus ever...
Calculates the fixed monthly payment for a loan: PMT = PV · i / (1 − (1+i)^−n), where i is the monthly interest rate and...
Compute the maximum monthly housing payment a lender will allow from your monthly gross income, a target front-end DTI r...
See how much earlier you could pay off your mortgage and how much interest you would save by switching from monthly to b...
Compute your new monthly mortgage payment after a one-time lump-sum principal reduction (a "recast"). Reports the old pa...
Compute the interest-only monthly payment on a Home Equity Line of Credit (HELOC) during its draw period, plus annual in...
Estimate typical closing costs for a home purchase as a percentage of the loan amount (commonly 2–5%), broken into a hig...
A calm, jargon-free walkthrough of what actually drives your monthly mortgage payment — and how to make the number smaller.
We pulled usage data across our 30 most-visited calculators to understand how readers actually use consumer finance tools. Findings, caveats...