Mortgage calculators
Run the numbers yourself.
Seven working calculators for payments, affordability, refinancing, down payments, buydowns, DSCR and construction budgets. Enter the rate you were quoted; nothing is pre-filled to look better than it is.
All calculators
Mortgage Payment Calculator
Estimate a full monthly payment, including taxes, insurance, mortgage insurance and HOA dues.
Open calculatorHome Affordability Calculator
See a price range based on your income, debts and the debt-to-income ratio you choose.
Open calculatorRefinance Comparison Calculator
Compare your current loan with a new one, including closing costs and break-even.
Open calculatorDown Payment Comparison
Compare up to three down payment amounts side by side.
Open calculatorTemporary Buydown Calculator
Model a 3-2-1, 2-1, 1-1 or 1-0 buydown and its subsidy cost.
Open calculatorDSCR Calculator
Check whether a rental's income covers its full payment, and the rent you'd need.
Open calculatorConstruction Budget Planner
Add up land, build, soft costs and contingency, and estimate interest during the build.
Open calculatorRent vs. Buy Calculator
Compare the long-run cost of renting and owning, year by year, using your own assumptions.
Open calculatorDiscount Points Calculator
See what paying points to lower your rate costs, saves and how long it takes to break even.
Open calculatorExtra Principal Payment Calculator
See how extra monthly principal shortens your loan and how much interest it saves.
Open calculatorEstimates only, based on the numbers you enter. Not a Loan Estimate, rate quote, offer or commitment to lend. Actual terms depend on credit, property, program and market conditions.
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Applications open in a new tab on Neighborhood Mortgage's secure portal.