Mortgage calculator

Home price

Down payment ($)

Down payment (%)

Interest rate 6.75%

Loan term 30 yr

Property tax / yr

Home insurance / yr

HOA / mo

Monthly payment

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P&I only

Total monthly

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incl. tax & ins

Total interest

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over loan life

Payment breakdown

Principal Interest Tax & ins

Loan amount—

PMI required?—

Total cost (loan life)—

Current loan

Remaining balance

Current rate (%)

Remaining term (years)

Current monthly P&I

New loan

New rate 6.25%

New term 30 yr

Closing costs ($)

Roll costs into loan?

New monthly P&I

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Monthly savings

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Break-even

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months

Lifetime interest (current)—

Lifetime interest (new)—

Net lifetime savings—

Annual gross income

Monthly debts (car, student loans…)

Interest rate 6.75%

Loan term 30 yr

Down payment ($)

Down payment (%)

Property tax rate (%/yr)

Home insurance / mo

DTI guideline

Max home price

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Max loan amount

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Max monthly PITI

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DTI breakdown

Monthly gross income—

Existing debts—

Available for housing—