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Calculators

Run the numbers

The rate starts at the latest published average. Change any number. Nothing here is a quote.

Calculator

Pick a calculator

You choose every number. The weekly average is a starting point, not a quote.

The payment card starts on a sample, so you have numbers to move.

The other calculators start empty, and you type the rate.

Calculator

Payment

Move any number. The math runs on this device and nothing is sent.

Loan type
$

$70,000 down

U.S. average the week of Nov 5. Not a quote.

Term
$
$
$

Monthly payment

$1,896.82/ month

Sample: $350,000 home, 20% down ($70,000), 360 monthly payments of $1,896.82 on a 30-year fixed loan at 7.18% interest (7.18% APR, assuming no points or fees). Taxes and insurance are extra, so your real payment will be higher. Not a quote.

Principal and interest
$1,896.82

Add tax and insurance for the full payment.

Loan amount
$280,000
Down payment
$70,000

Over 30 years

  • Principal$280,000
  • Interest$402,855

First payment: $221.49 principal and $1,675.33 interest.

Calculator

Affordability

Income and debts in, a price range out. There is no credit check and nothing is sent.

$

Before tax.

$

Car, student loans, cards.

$
Term

Costs that come with the home

Optional. They come out of the budget before the loan payment.

$
$
$
$

A price range

—

A common guideline, not a decision.

Add your income, debts, down payment, and rate to see a range.

Calculator

Two estimates

Same price and down payment. Set a rate and term for each. Neither column is a recommendation.

$

First estimate

Add a rate

Term

Principal and interest only

—

Second estimate

Add a rate

Term

Principal and interest only

—

Difference

Principal and interest only

Add a price and down payment to compare.

Refinance

Compare the payment you have with a new one. You type both rates.

$
New term
$

Often $2,000 to $4,000. Your Loan Estimate has the real number.

Principal and interest only

Payment now
—
New payment
—

Difference each month

—

Rent or buy

Your rent next to the monthly cost of owning. You type every number.

$
$
Term
$
$
$
$
Owning per month
—
Renting per month
—

Difference each month

—

This compares monthly costs only. It leaves out upkeep, changes in home value, and taxes.

Buydown

A temporary buydown lowers the payment for the first years, then it steps up to your rate.

$

Start with the rate a lender quoted you. We never fill it in.

Kind of buydown
Term

Principal and interest only

Payment

—

FHA

An FHA purchase with the upfront mortgage insurance added to the loan, the way most people pay it. You type the rate.

$
Term
$
$

Monthly payment

—

Base loan
—
Upfront mortgage insurance, added to the loan
—
Total loan
—
Principal and interest
—
Mortgage insurance per month
—

FHA's upfront premium is 1.75% of the base loan. Most people add it to the loan, so the payment is figured on the total.

Home equity line

Your payment while you draw and once you repay, and what a rise in the rate would do. You type the rate.

$

What you expect to have borrowed from the line.

Principal and interest only

While you draw
—
Once you repay
—

This is an estimate, not a loan offer. A lender has to confirm it.

This is not a commitment to lend or lock a rate.

Rates change. Call us. (480) 297-8855

Compare what you pay today with a cash-out refinance and a home equity line, then save it as a PDF.

Compare your debts

How to read them

What the results mean

  • Use the rate a lender quoted you. The weekly average we show is not a quote.
  • Nothing you type is saved or sent.
  • Principal and interest is the loan payment alone. Taxes, insurance, and HOA come on top.
  • Mortgage insurance and closing costs are left out unless you type them. Picking VA or USDA adds that loan's own fees.

Next steps

Where to go from here

Ask for a quote

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