Mortgage Calculator
Monthly Payment
Affordability
Cash to Close
Refi Savings
Home Price ($)
Down Payment (%)
Loan Term (years)
Interest Rate (APR %)
Property Tax ($/yr)
Homeowners Insurance ($/yr)
HOA Dues ($/mo)
MI ($/mo)
Extra Principal ($/mo)
Optional—reduces term & total interest.
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Income & Loan Assumptions
Gross Monthly Income ($)
Target DTI (%)
Down Payment (%)
Loan Term (years)
Interest Rate (APR %)
Taxes + Insurance (% of price / yr)
HOA ($/mo)
MI ($/mo)
Monthly Liabilities
Car Payment ($/mo)
Credit Card Minimums ($/mo)
Student Loans ($/mo)
Personal Loans ($/mo)
Child Support / Alimony ($/mo)
Other Monthly Liabilities ($/mo)
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Purchase & Loan Assumptions
Home Price ($)
Loan Program
FHA
Conventional
VA
Custom
Down Payment (%)
Closing Cost Estimate (%)
Prepaid / Reserve Assumptions
Prepaids / Reserves (%)
Earnest Money Deposit Already Paid ($)
Seller / Lender Credits ($)
Other Buyer Credits ($)
Estimated Escrow Tax Setup & Proration
County
Riverside County
San Bernardino County
Estimated Closing Date
Estimated Annual Property Tax Rate (%)
Impound Account?
Yes - estimate lender tax reserves
No - exclude lender tax reserves
Estimated Tax Reserve Months
Property Tax Payment Status
Auto baseline by closing month
Assume current installment is unpaid
Assume paid through Dec 31
Assume paid through Jun 30
Auto uses a practical California baseline: first installment period July-Dec; second installment period Jan-June.
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Current Loan
Current Payoff / Balance ($)
Estimated Home Value ($)
Remaining Term (years)
Current Rate (APR %)
New Refinance Loan
New Rate (APR %)
New Term (years)
Closing Costs ($)
Finance Closing Costs?
Yes - add to new loan amount
No - pay separately at closing
Cash Out Amount ($)
MI ($/mo)
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Estimates for educational purposes only; not a commitment to lend.