Run your own numbers
Know your numbers before the first call.
Payment, refinance, buydown, break-even: every calculator shows the formula behind its result and the thresholds that decide an approval.
Run a payment before you talk to anyone.
Slide the loan, type any rate you want to test. This is the real amortization math, and it never counts as a quote.
Calculator results are estimates for education, not a quote, prequalification, or approval. Verify every figure with your loan officer before making decisions.
Open the full calculatorMortgage calculators
Mortgage payment
See the full monthly payment, not just principal and interest.
- What you provide
- Home price, down payment, rate, taxes, insurance, HOA
- What you receive
- Complete PITIA payment with a line-item breakdown
Refinance break-even
Check whether a lower rate pays for its own closing costs.
- What you provide
- Current payment, new rate, closing costs
- What you receive
- Monthly savings and the month the refi breaks even
Mortgage refinance
See what the payment would be if you refinanced.
- What you provide
- Estimated value, loan amount, rate, term, monthly taxes and insurance
- What you receive
- New monthly payment plus interest over the full term
PMI removal
Find the date mortgage insurance comes off.
- What you provide
- Original price, current balance, monthly PMI
- What you receive
- Removal dates at 80% and 78%, and what extra principal moves them
2-1 buydown
Price what a seller-paid buydown is worth.
- What you provide
- Loan amount, note rate, term
- What you receive
- Year-one and year-two payments plus the seller credit required
DSCR
Check whether the rent carries the payment.
- What you provide
- Monthly rent, price, down payment, rate, taxes and insurance
- What you receive
- Your DSCR and where it lands against lender minimums
Construction loan
Budget a ground-up build the way a lender underwrites it.
- What you provide
- Land cost, build budget, down payment, rate
- What you receive
- Loan sizing at LTC and LTV plus estimated interest carry
What you’ll get
- Estimated rangeA number to plan around, not a quote
- Cost breakdownEvery line the math is built from
- Scenario comparisonTest the change before you commit
How these estimates work
Every calculator uses the same arithmetic an underwriter uses, with each line of the math on screen. Your inputs stay on your device, and nothing here requires a sign-up or a credit check.
The results are planning estimates, not quotes or approvals. When you want the numbers priced to your actual file, a licensed loan expert reviews it across dozens of lenders and puts the terms in writing.
Questions about the calculators
Are these rates real?
The calculators never assume a rate for you. You enter the rate you want to test, and every result reflects that number. When you want a rate priced to your actual file, a licensed loan expert quotes it in writing with no hard credit pull.
Do you store what I enter?
No. Every calculator runs in your browser. Your inputs are used to compute the result on your device and are not sent to us or saved anywhere.
Which calculator should I start with?
Buying? Start with the mortgage payment calculator. Already own and weighing a refinance? Use the refinance break-even calculator. Investing in a rental? The DSCR calculator shows whether the rent carries the payment.
Want the numbers for your actual file?
Six quick questions and a licensed loan expert prices your scenario across dozens of lenders. In writing, with no hard credit pull.
This is not a commitment to lend or an offer of credit. All loan approvals are subject to credit review, underwriting, and property evaluation. Programs, terms, and conditions are subject to change without notice.
Intel Loans, Inc., NMLS #2858705. Licensed in Florida. Verify our licensing at nmlsconsumeraccess.org. Equal Housing Opportunity.
Calculator results are estimates for education, not a quote, prequalification, or approval. Verify every figure with your loan officer before making decisions.
Any rates shown are hypothetical examples you enter for estimation, not offers. Actual rates and terms depend on your application and may change or be unavailable at commitment or closing.