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Mortgage Calculator

Estimate your monthly payments, total interest, and loan costs. Adjust every variable to find the scenario that works for you.

Payment Estimator

Use the sliders below to calculate your estimated monthly payment.

$400,000
$50K$3M
20%
3%50%
6.50%
2%15%
Estimated Monthly Payment
$1,909
$80,000
Down Payment
$320,000
Loan Amount
$687,258
Total Cost
$367,258
Total Interest
Apply at This Rate

This estimate does not include taxes, insurance, or PMI. Subject to credit approval.

Payment Breakdown

Principal
Interest

Tips to Lower Your Payment

📈
Improve Your Credit Score
A higher credit score can unlock rates that are 0.5–1.5% lower.
💰
Increase Your Down Payment
More down means lower loan amount, lower monthly payment, and no PMI.
📅
Consider a Longer Term
A 30-year vs 15-year term significantly reduces monthly payments.
💡
Shop Multiple Products
Compare HELOC, refi, and equity loan options to find the lowest cost.