Mortgage & Housing Calculators

Mortgage and housing calculators

Buying a home is the largest calculation most of us ever run, and it is usually run under pressure, with an agent waiting and a rate moving. This shelf exists to slow that moment down. These calculators cover the whole arc of a purchase and a loan: what the monthly payment really is, what you can afford before you fall in love with a house, what the closing costs add, and whether refinancing or paying the loan down sooner actually saves you money. It also covers the years after the purchase, when the questions change from what can we buy to what should we pay off or refinance next year.

The figures underneath are current and sourced, not leftover defaults from a textbook. Rates track Freddie Mac and its Primary Mortgage Market Survey, where the 30 year fixed rate averaged 7.40% in mid October 2026, and the loan programme tools work inside the official limits for their schemes. Every page shows its formula and a worked example, so you can check the answer yourself, and each calculator runs in your browser, free, with your income and loan figures never leaving your device. Programme limits, tax treatment and insurance rules differ sharply between them, which is why the FHA and VA tools exist separately at all rather than as footnotes on one generic page.

Start with the Mortgage Calculator for the payment itself: on a $280,000 loan at 7.40% over 30 years, principal and interest come to about $1,939 a month. The House Affordability Calculator works backwards from income to a price you can defend, and the Closing Costs Calculator and PMI Calculator expose the charges buyers forget. The FHA Loan Calculator and VA Loan Calculator handle their programmes' own rules, the HELOC Calculator models borrowing against equity, the Mortgage Refinance Calculator tests whether a new loan pays for itself, and the Rent vs Buy Calculator prices staying put. Run them in sequence and the purchase stops being guesswork and becomes a plan you trust.