CONVENTIONAL6.665% rate · 6.923% est. APRFHA6.050% rate · 7.142% est. APRVA6.165% rate · 6.727% est. APRUSDA5.950% rate · 6.756% est. APRDSCR8.240% rate · 8.524% est. APRBANK STATEMENT7.990% rate · 8.269% est. APRSOURCE DATA AS OF NOVEMBER 10, 2026 AT 7:37 AM CT

CONVENTIONAL6.665% rate · 6.923% est. APRFHA6.050% rate · 7.142% est. APRVA6.165% rate · 6.727% est. APRUSDA5.950% rate · 6.756% est. APRDSCR8.240% rate · 8.524% est. APRBANK STATEMENT7.990% rate · 8.269% est. APRSOURCE DATA AS OF NOVEMBER 10, 2026 AT 7:37 AM CT

Assumes an 800 credit score. Estimated APR uses 30-year fixed fully amortizing payments. FHA, VA and USDA assume a $350,000 base loan, $3,000 lender fees and 2.75% points; conventional, DSCR and bank statement assume a $400,000 base loan, $2,400 origination and 2% points. Points are based on the total note amount and lender charges are paid at closing; no credits or odd-days prepaid interest. Conventional, DSCR and bank statement assume 20% down and no MI; FHA assumes 3.5% down, financed 1.75% upfront MIP and estimated declining-balance annual MIP; VA assumes zero down, first use and financed 2.15% funding fee; USDA assumes zero down, financed 1% guarantee fee and 0.35% annual fee. DSCR and bank statement assume no prepayment penalty or additional fees. $700 appraisal is excluded from APR. These assumptions do not verify that the displayed rates are available at the assumed points. Actual rates and eligibility vary. Not a commitment to lend.Assumes an 800 credit score. Estimated APR uses 30-year fixed fully amortizing payments. FHA, VA and USDA assume a $350,000 base loan, $3,000 lender fees and 2.75% points; conventional, DSCR and bank statement assume a $400,000 base loan, $2,400 origination and 2% points. Points are based on the total note amount and lender charges are paid at closing; no credits or odd-days prepaid interest. Conventional, DSCR and bank statement assume 20% down and no MI; FHA assumes 3.5% down, financed 1.75% upfront MIP and estimated declining-balance annual MIP; VA assumes zero down, first use and financed 2.15% funding fee; USDA assumes zero down, financed 1% guarantee fee and 0.35% annual fee. DSCR and bank statement assume no prepayment penalty or additional fees. $700 appraisal is excluded from APR. These assumptions do not verify that the displayed rates are available at the assumed points. Actual rates and eligibility vary. Not a commitment to lend.

Home / Calculators

Interactive tools

Run the numbers. Then understand them.

Calculators are useful for screening a decision. They are not underwriting engines and they do not know the property, program or full financial picture.

Open the full mortgage calculator

Homeowners

Basic payment estimator — excludes mortgage insurance

Principal, interest, taxes, insurance and HOA

Home price

$

Down payment

$

Interest rate

%

Loan term

years

Annual property taxes

$

Annual homeowners insurance

$

Monthly HOA

$

Estimated monthly subtotal, before mortgage insurance$3,560

Loan amount: $405,000
Principal + interest: $2,560
Taxes + insurance + HOA: $1,000

Use the full mortgage calculator with program-specific mortgage insurance.

Estimate only. Mortgage insurance, special assessments, flood insurance and other property-specific costs are not included.

Refinancing

Break-even calculator

How long it takes estimated monthly savings to recover refinance costs

Estimated refinance costs

$

Estimated monthly savings

$

Estimated break-even29 months

This simple comparison does not measure term extension, equity removed, tax effects or opportunity cost. Use it as a first screen, not the final answer.

Investors

DSCR quick screen

Gross monthly rent divided by the monthly housing obligation

Gross monthly rent

$

Monthly PITIA

$

Estimated DSCR1.23

Lenders may use different rent, expense, appraisal, vacancy and qualifying rules. A ratio alone is not an approval or a term quote.

These tools provide estimates for educational purposes only and are not a commitment to lend, an approval, a Loan Estimate or a disclosure of available credit terms. Actual payments, eligibility, pricing, costs and terms require a complete review.

Ready for real numbers?

Put the property and the borrower into the equation.

Find the correct financing lane →