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Clean Lender

Mortgage calculators

Eight calculators that update as you type. Change any number; nothing is saved or sent.

These calculators give estimates for education only. They are not a loan offer, a rate quote or a pre-approval. Your actual rate, payment and costs depend on your credit, the property, the program and the lender, and are shown on your Loan Estimate.

Monthly payment

Principal, interest, property tax, homeowners insurance, mortgage insurance and HOA in one number.

Estimated monthly payment—

  • Principal and interest—
  • Property tax—
  • Insurance—
  • Mortgage insurance—
  • HOA—
  • Loan amount—

How much home can I afford?

Works backward from your income and monthly debts using a debt-to-income limit. Programs differ; 43% is a common reference point.

Estimated maximum price—

  • Loan amount—
  • Total monthly housing payment—
  • Housing budget at this DTI—

Should I refinance?

Compares your current payment with a new loan and shows how many months the closing costs take to pay back.

Change in monthly payment—

  • Current principal and interest—
  • New principal and interest—
  • Break-even—
  • Interest left on current loan—
  • Interest on new loan—

Rent or buy?

Total cost of each choice over the years you expect to stay, including selling costs and what the down payment could earn elsewhere.

Over this period—

  • Total cost of renting—
  • Net cost of buying—
  • Equity when you sell—

Extra payments

How much interest and time an extra amount each month saves.

Interest saved—

  • Regular principal and interest—
  • Payoff without extra—
  • Payoff with extra—
  • Time saved—

Should I buy points?

One point costs 1% of the loan and lowers the rate. This shows how long the lower payment takes to repay the cost.

Break-even—

  • Cost of points—
  • Monthly savings—
  • Net savings if kept full term—

Temporary buydown

A seller or builder pays to lower your rate for the first one to three years. This shows each year's payment and what the subsidy costs.

Subsidy cost—

  • Year 1 payment—
  • Year 2 payment—
  • Year 3 payment—
  • Payment after buydown—

Amortization schedule

Year-by-year split between principal and interest, and the balance left.

Total interest—

  • Monthly principal and interest—
  • Total of all payments—
  • Balance after 5 years—

YearPrincipalInterestBalance

Talk to someone who reads tax returns for a living

A short pre-application takes about five minutes. We call you back, look at your numbers and tell you plainly which loan programs fit.

Apply now or call (949) 624-4500