Free localized tools
US Mortgage & Payoff Calculators
Free mortgage payment, payoff, closing cost, FHA, VA, and reverse mortgage calculators for U.S. home buyers.
2026 Tax & Benchmark Rate Estimates:
Loan Program:
Estimated monthly payment (PITI+)
—
- P&I
- Property tax
- Insurance
- PMI / FHA MIP
- HOA dues
- Loan amount
- Taxable value after homestead
See What You Could Save
Securing a 6.50% rate instead of the 7.50% average saves tens of thousands in interest.
Monthly Payment Difference
$2,237 (7.50%)
$2,022
Save $215/mo
Full-Term Interest Difference
$485,400
$407,900
Save $77,500 over loan
🎉 Extra Payment Impact
Total interest saved: $0
Loan shortened by: 0 years
💡 Mortgage Extra Payment Payoff Calculator
See how much interest you save and how many years you cut off your mortgage by adding an extra monthly payment toward principal.
Your Total Extra Payment Savings
Total Interest Saved
$0
Loan Shortened By
0 years
Estimated buyer closing costs
—
Loan amount:
FHA HECM reverse mortgages generally require borrowers to be at least 62 years old.
- Principal Limit Factor
- Principal limit
- Net proceeds to you
- Remaining equity
Uses simplified HUD PLF estimates. HUD counseling is required before closing a HECM.