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Use our mortgage calculator to estimate your monthly payments. Get a clear breakdown of principal, interest, taxes, and insurance. Plan your financial future with FINCALC.
Featured Home & Mortgage Calculators
π Mortgage Calculator
Estimate your monthly mortgage payment including principal, interest, property taxes, homeowners insurance, PMI, and HOA fees.
Use Calculator βπ° Home Affordability Calculator
Estimate how much home you may be able to afford based on income, monthly debts, down payment, interest rate, and other housing costs.
Use Calculator βπ Refinance Calculator
Compare your current mortgage with a potential refinance and estimate monthly savings, interest savings, and your break-even period.
Use Calculator βπ¦ HELOC Calculator
Estimate available home equity borrowing power, HELOC payments, and potential interest costs.
Use Calculator βπ΅ Home Equity Loan Calculator
Calculate estimated fixed monthly payments based on the amount borrowed, loan term, and interest rate.
Use Calculator βπ‘ Reverse Mortgage Calculator
Estimate potential HECM reverse mortgage proceeds based on age, home value, mortgage balance, and other factors.
Use Calculator βBrowse Home & Mortgage Calculators by Category
π‘ Home Buying Calculators
Planning to purchase a home? These calculators can help you estimate affordability, upfront expenses, down payment requirements, mortgage insurance, and other important home-buying costs.
π° Home Affordability Calculator
Estimate a comfortable home price based on income, debts, down payment, and expected housing expenses.
Use Calculator βπ΅ Down Payment Calculator
Estimate how much money you may need for a down payment based on home price and percentage down.
Use Calculator βπ§Ύ Closing Cost Calculator
Estimate buyer closing expenses including lender fees, title costs, prepaid expenses, and other charges.
Use Calculator βπ‘οΈ PMI Calculator
Estimate private mortgage insurance costs when financing a home with a smaller down payment.
Use Calculator βπ Rent vs Buy Calculator
Compare the potential long-term financial impact of renting a home versus purchasing one.
Use Calculator ββ Mortgage Qualification Calculator
Estimate how much mortgage you may qualify for using income, debt, and common lending ratios.
Use Calculator βπ¦ Mortgage Calculators
Estimate mortgage payments, understand amortization, calculate interest costs, and explore strategies that could help you pay off your home loan sooner.
π Mortgage Calculator
Calculate your estimated monthly mortgage payment and total housing expenses.
Use Calculator βπ Mortgage Amortization Calculator
See how each mortgage payment is divided between principal and interest over the life of your loan.
Use Calculator ββ±οΈ Mortgage Payoff Calculator
See how extra payments could shorten your mortgage payoff period and reduce total interest.
Use Calculator ββ Extra Mortgage Payment Calculator
Calculate potential interest savings from making additional monthly, annual, or one-time payments.
Use Calculator βπ Biweekly Mortgage Calculator
Compare a biweekly mortgage payment strategy with a traditional monthly payment schedule.
Use Calculator βπ² Mortgage Interest Calculator
Estimate how much interest you may pay during the life of your mortgage.
Use Calculator βπ Refinance Calculators
Compare your existing mortgage with alternative financing options and estimate potential payment savings, interest savings, or available equity.
π Refinance Calculator
Estimate potential monthly savings, closing costs, interest savings, and the break-even period of refinancing.
Use Calculator βπ΅ Cash-Out Refinance Calculator
Estimate how much home equity you may be able to convert into cash through refinancing.
Use Calculator βπ ARM Calculator
Estimate adjustable-rate mortgage payments and see how potential rate adjustments may affect your costs.
Use Calculator βπ Home Equity Calculators
Estimate how much home equity you have and explore financing options that may allow you to borrow against it.
π¦ HELOC Calculator
Estimate available HELOC borrowing power, monthly payments, and potential interest costs.
Use Calculator βπ΅ Home Equity Loan Calculator
Estimate fixed monthly payments for a home equity loan based on amount, rate, and term.
Use Calculator βπ‘ Reverse Mortgage Calculator
Estimate potential reverse mortgage proceeds using age, home value, mortgage balance, and other assumptions.
Use Calculator βπ Home Equity Calculator
Estimate your current home equity using your property’s estimated market value and outstanding mortgage balance.
Use Calculator βπΊπΈ Government & Specialty Mortgage Calculators
Explore calculators for government-backed and specialty mortgage programs, including FHA, VA, USDA, conventional, and jumbo financing.
π FHA Loan Calculator
Estimate FHA mortgage payments including principal, interest, taxes, insurance, and mortgage insurance premiums.
Use Calculator βποΈ VA Loan Calculator
Estimate VA mortgage payments and potential funding fees for eligible military borrowers and veterans.
Use Calculator βπΎ USDA Loan Calculator
Estimate USDA Rural Development mortgage payments and applicable loan fees.
Use Calculator βπ Conventional Loan Calculator
Estimate monthly payments for a conventional mortgage using customizable down payment and loan terms.
Use Calculator βποΈ Jumbo Loan Calculator
Estimate payments for mortgages that exceed applicable conforming loan limits.
Use Calculator βποΈ Real Estate Investment Calculators
Evaluate vacation properties, second homes, rental investments, and real estate returns using calculators designed for property buyers and investors.
ποΈ Vacation Home Calculator
Estimate vacation-home affordability, monthly ownership costs, and potential rental-income scenarios.
Use Calculator βπ‘ Second Home Calculator
Estimate whether purchasing a second home fits within your income, debt, and overall budget.
Use Calculator βποΈ Rental Property Calculator
Estimate rental income, property expenses, monthly cash flow, and potential investment returns.
Use Calculator βπ Cap Rate Calculator
Calculate a property’s capitalization rate using property value and net operating income.
Use Calculator βπ΅ Rental Cash Flow Calculator
Estimate income remaining after common rental property expenses and financing costs.
Use Calculator βπ¦ DSCR Calculator
Estimate debt-service coverage ratio using property income and annual debt obligations.
Use Calculator βπ State Mortgage Calculators
Explore localized mortgage calculators designed to estimate housing costs using state-specific property tax, insurance, and market assumptions where available.
π² Minnesota Mortgage Calculator
Estimate Minnesota mortgage payments including principal, interest, property taxes, insurance, PMI, and HOA costs.
Use Calculator βπ΄ Florida Mortgage Calculator
Estimate mortgage payments and homeownership expenses for Florida homebuyers.
Use Calculator ββ Texas Mortgage Calculator
Estimate mortgage payments and common homeownership expenses for Texas properties.
Use Calculator βπ΄ California Mortgage Calculator
Estimate California mortgage payments using home price, interest rate, taxes, insurance, and other costs.
Use Calculator βπ½ Ohio Mortgage Calculator
Estimate Ohio mortgage payments including principal, interest, property taxes, insurance, PMI, and HOA fees.
Use Calculator βπ§ Wisconsin Mortgage Calculator
Estimate Wisconsin mortgage payments using home price, financing terms, taxes, insurance, and other housing costs.
Use Calculator βLatest Home & Mortgage Articles
How Much House Can I Afford?
Learn how income, monthly debts, interest rates, down payment, and other costs can affect your home-buying power.
Read Guide βHELOC vs. Home Equity Loan
Compare borrowing structures, interest rates, repayment options, and common uses for these two home-equity products.
Read Guide βWhat Is PMI?
Learn when private mortgage insurance may be required, how it is calculated, and when it may be removed.
Read Guide βWhen Should You Refinance Your Mortgage?
Understand how interest rates, closing costs, loan terms, and break-even periods can affect a refinance decision.
Read Guide βFHA vs. Conventional Loans
Compare down payments, mortgage insurance, qualification standards, and potential costs.
Read Guide βHow Home Equity Works
Learn how home equity grows, how it is calculated, and the common ways homeowners can access it.
Read Guide βπ₯ Popular Home & Mortgage Calculators
Why Use Legit Calc?
Legit Calc is designed to do more than simply produce a number. Our calculators help explain what your results mean so you can compare options more easily and make informed financial decisions.
- β Free to use
- β Fast, easy-to-understand calculations
- β AI-powered insights where available
- β Mobile-friendly tools
- β Educational explanations and FAQs
- β Related calculators for deeper planning
- β Helpful guides covering important financial decisions
Frequently Asked Questions
Are Legit Calc mortgage calculators free?
Yes. Legit Calc calculators are free to use and are designed to help with educational and financial planning decisions.
How accurate are mortgage calculators?
Our calculators use established financial formulas and the information you enter. Actual mortgage payments, interest rates, property taxes, insurance premiums, lender fees, and other expenses may vary.
Can I calculate my full monthly mortgage payment?
Yes. The Legit Calc Mortgage Calculator can estimate principal, interest, property taxes, homeowners insurance, PMI, HOA fees, and your estimated total monthly housing payment.
What is the difference between a HELOC and a home equity loan?
A HELOC generally functions as a revolving line of credit secured by your home’s equity. A home equity loan typically provides a lump sum that is repaid through scheduled monthly payments.
What does a home affordability calculator do?
A home affordability calculator estimates a potential home-buying range using factors such as income, monthly debt, down payment, mortgage rate, loan term, taxes, insurance, and other housing expenses.
Should I refinance my mortgage?
Refinancing may potentially lower your monthly payment, reduce your interest rate, shorten your loan term, or provide access to home equity. Closing costs and the refinance break-even period should also be considered.
How does a reverse mortgage work?
A reverse mortgage allows eligible homeowners to convert part of their home equity into loan proceeds while retaining ownership of the property, subject to applicable loan requirements and homeowner obligations.
Why use a state mortgage calculator?
Property taxes, homeowners insurance costs, home prices, and other housing expenses can vary considerably by state. A state-specific mortgage calculator can provide a more localized estimate.