Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan.
This calculator will assist you in your purchasing options. Call your Loan Officer for current rates and/or assistance.
Set your browser to update "Every visit to the Page" for it to work properly.
** Javascript needs to be enabled.
First Name:
Last Name:
Client Password: (Optional)
Email: (optional)
Loan Officer: (Required)
Calculation Title/Name: (optional)
Property Address: (optional)
Property City State Zip: (optional)
Residency:
Compare Interest Totals at these levels: (optional)
1 Years
3 Years
5 Years
7 Years
10 Years
15 Years
Current Program
Program:
Alternate Loan Term-In Months (optional):
=
Years
Interest Only (IO) Program:
IO Term:
Interest Only (IO) # of Payments Made:
Note: This calculator currently does NOT calculate extra principal payments for the current program.
Only needed if # of Payments < IO Term
Interest Rate: (Initial Rate for Arms)
Original Purchase Price/Value:
Original Loan Amount:
Current P&I:
(Requires Rate & P&I)
Private Mortgage Insurance (monthly amount):
Previous Close Date:
Arm Caps (Initial/standard/lifetime):
Index:
Margin:
ARM Floor:
Estimated Home Value:
Current Loan Balance:
Payoff Amount:
(Used for Cash to Close)
Monthly Payment of Other Debt being Paid Off:
Extra Payment:
1-Time Period
One-Time
Monthly
Dollar
Percent*LA
Second Mortgage Program:
Second Mtg Interest Rate:
Original Second Loan Amount
% of Orig Sales Price
$ Amount
Current Second Loan Amount Balance
(Not Required)
OR Current Second Term Remaining
months (Not Required)
New Program
New Loan Amount: Dollar Amount LTV Percentage of Estimated Home Value
Calculated Loan Amount:
Est. Closing Costs:(+)
^ APR Costs
Display PITI:
No
Yes
Taxes:
= /Month
Homeowners Insurance:
Home Association Fee:
Display Estimated Cash to Close:
No
Yes
Payoff - Loan Amount Difference:(+)
Extra Principal($):(+)
Points($):(+)
^ APR Costs
MI (Borrower Paid)($):(+)
^ APR Costs
Lender Fees($):(+)
^ APR Costs (Also see Est. Closing Costs above.)
Title Fees($):(+)
Prepaid Interest($):(+)
Days
$ Int per Day ^ APR Costs
Tax Escrow($):(+)
Months
Auto:
Prepaid Insurance($):(+)
Months
Auto:
Escrows Other($):(+)
Other :(+)
Total Estimated Cash to Close($):
Program:
Program Description: (optional)
Alternate Loan Term-In Months(optional):
=
Years
Interest Only (IO) Program:
IO Term:
Interest Rate:
P&I:
Points:
% (times loan amount)
$
Borrower Paid MI: (Conv)
%
Financed
FHA UFMIP Factor/VA Funding Fee/USDA Annual Fee
Calculate Mortgage Insurance: (if required)
Manual MI Rate:
Arm Caps (Initial/standard/lifetime):
Index: (ARMS Only)
Margin: (ARMS Only)
ARM Floor: (ARMS Only)
Second Mortgage Program:
Second Mtg Interest Rate:
Second Loan Amount
% Est Home Value
$ Amount
Display Extra Payment Option:
No
Yes
Alternate Program 1
New Loan Amount: Dollar Amount LTV Percentage of Estimated Home Value
Calculated Loan Amount:
Est. Closing Costs:(+)
^ APR Costs
Display PITI:
No
Yes
Taxes:
= /Month
Homeowners Insurance:
Home Association Fee:
Display Estimated Cash to Close:
No
Yes
Payoff - Loan Amount Difference:(+)
Extra Principal($):(+)
Points($):(+)
^ APR Costs
MI (Borrower Paid)($):(+)
^ APR Costs
Lender Fees($):(+)
^ APR Costs (Also see Est. Closing Costs above.)
Title Fees($):(+)
Prepaid Interest($):(+)
Days
$ Int per Day ^ APR Costs
Tax Escrow($):(+)
Months
Auto:
Prepaid Insurance($):(+)
Months
Auto:
Escrows Other($):(+)
Other :(+)
Total Estimated Cash to Close($):
Program:
Program Description: (optional)
Alternate Loan Term-In Months(optional):
=
Years
Interest Only (IO) Program:
IO Term:
Interest Rate:
P&I:
Points: % (times loan amount)
$
Borrower Paid MI: (Conv)
%
Financed
FHA UFMIP Factor/VA Funding Fee/USDA Annual Fee
Calculate Mortgage Insurance: (if required)
Manual MI Rate:
Optional Extra Payment: 1-Time Period
One-Time
Monthly
Dollar
Percent*LA
Arm Caps (Initial/standard/lifetime):
Index: (ARMS Only)
Margin: (ARMS Only)
ARM Floor: (ARMS Only)
Second Mortgage Program:
Second Mtg Interest Rate:
Second Loan Amount
% Est Home Value
$ Amount
Alternate Program 2
New Loan Amount: Dollar Amount LTV Percentage of Estimated Home Value
Calculated Loan Amount:
Est. Closing Costs:(+)
^ APR Costs
Display PITI:
No
Yes
Taxes:
= /Month
Homeowners Insurance:
Home Association Fee:
Display Estimated Cash to Close:
No
Yes
Payoff - Loan Amount Difference:(+)
Extra Principal($):(+)
Points($):(+)
^ APR Costs
MI (Borrower Paid)($):(+)
^ APR Costs
Lender Fees($):(+)
^ APR Costs (Also see Est. Closing Costs above.)
Title Fees($):(+)
Prepaid Interest($):(+)
Days
$ Int per Day ^ APR Costs
Tax Escrow($):(+)
Months
Auto:
Prepaid Insurance($):(+)
Months
Auto:
Escrows Other($):(+)
Other :(+)
Total Estimated Cash to Close($):
Program:
Program Description: (optional)
Alternate Loan Term-In Months(optional):
=
Years
Interest Only (IO) Program:
IO Term:
Interest Rate:
P&I:
Points: % (times loan amount)
$
Borrower Paid MI: (Conv)
%
Financed
FHA UFMIP Factor/VA Funding Fee/USDA Annual Fee
Calculate Mortgage Insurance: (if required)
Manual MI Rate:
Optional Extra Payment: 1-Time Period
One-Time
Monthly
Dollar
Percent*LA
Arm Caps (Initial/standard/lifetime):
Index: (ARMS Only)
Margin: (ARMS Only)
ARM Floor: (ARMS Only)
Second Mortgage Program:
Second Mtg Interest Rate:
Second Loan Amount
% Est Home Value
$ Amount
Investment Alternative
Display Investment Alternative
No
Yes
Investment Rate Return:
Options
Display Comparison Information
No
Yes
Display Life Energy Information
No
Yes
Pop-up Blocker Enabled?
No
Yes
Click 'Print' to print the above entered values.
* This calculator is not used to quote rates. Closing costs listed are only an estimate.
Please consult a Loan Officer for current rates and closing costs.
^ APR = These line items affect the Annual Percentage Rate.
P&I = Principal + Interest Payment
