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Calculator / Calculators

Mortgage Calculators

Free tools for every part of a home loan: affordability, refinancing, early payoff, loan comparison, DTI, and closing costs. All estimates, all editable.

Mortgage Payment Calculator

Full PITI + loan matcher

How much can you afford?

Find your price

Affordability

How much house you can afford

Refinance Break-Even

New payment and payback

Extra Payment / Payoff

Pay off early, save interest

Loan Comparison

Two offers side by side

Debt-to-Income (DTI)

The ratio lenders use

Closing Cost Estimator

Cash to close

Construction loan calculator

Draws and permanent payment

Calculators by loan type

Each loan program prices differently. These run the same payment math with the rules, fees, and mortgage insurance that apply to that specific program.

FHA loan calculator

Payment with up-front and monthly MIP

Conventional loan calculator

Payment with PMI by down payment

VA loan calculator

Zero down with the funding fee

USDA loan calculator

Zero down with guarantee and annual fees

Jumbo loan calculator

Above the conforming limit

Guides that go with the numbers

A payment figure is only useful once you know what drives it. These explain the inputs the calculators ask for.

Down payments explained

What each 5% changes

Debt-to-income explained

What counts and what does not

APR vs interest rate

Which number to compare

Closing costs explained

Every line at the table

Important disclosures. LoanFitCalc is a free educational tool that provides estimates only. It is not a loan, a loan approval, a commitment to lend, a rate lock, or an offer to make a loan, and it does not provide financial, legal, or tax advice or recommend a specific loan for you. Mortgage insurance rates, funding and guarantee fees, loan limits, taxes, and insurance figures are typical published values used for estimation and are subject to change. Program eligibility rules are summarized and simplified. Actual terms depend on your full application, credit, property, and lender underwriting. Consult a licensed mortgage loan originator before making any decision. LoanFitCalc is an independent educational website and is not a lender. ⌂ Equal Housing Opportunity
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