Mortgage and Real Estate Calculators
A home decision is about more than the price. Your payment can include principal, interest, taxes, insurance and loan fees. These calculators help you see how those costs fit together before you buy, refinance, rent out or sell a property.
Start with the decision in front of you. Compare loan terms, estimate cash needed at closing, or test whether rental income can cover property expenses and debt payments.
- Velocity bankingTest whether running your mortgage through a HELOC actually beats paying the same money straight to principal.
- Mortgage paymentSee your full monthly mortgage payment, with taxes and insurance for your state.
- Amortization scheduleBuild a full amortization schedule and see how extra payments change it.
- Mortgage payoffSee how extra payments shorten your mortgage.
- RefinanceFind out whether a refinance pays off and how fast.
- Cash-out refinanceSee what pulling cash out of your home through a refinance costs.
- HELOCEstimate your home equity line of credit and its payments.
- Home equity loanSee how much you could borrow against your home and the payment.
- FHA loanEstimate an FHA payment with both mortgage insurance premiums.
- VA loanEstimate a VA loan payment, including the funding fee.
- USDA loanEstimate a USDA guaranteed loan payment.
- Closing costsEstimate what you'll bring to the closing table.
- Down paymentFind your down payment target and the time to reach it.
- Rent vs buyCompare the long-run cost of buying a home with renting.
- Rent affordabilityFind a rent that fits your income.
- Cap rateCalculate a property's cap rate.
- Rental propertyAnalyze a rental property's cash flow and returns.
- House flipRun the numbers on a fix-and-flip.
- Mortgage pointsFind the break-even point for buying down your rate.
- PMIEstimate PMI and when it ends.
- Mortgage recastSee your new payment if you recast after a lump sum.
- Construction loanEstimate interest during construction and the payment afterward.
- Seller net proceedsEstimate what you'll walk away with when you sell.
- Loan-to-valueCalculate your loan-to-value ratio.
- 15 vs 30 yearCompare payments and interest on 15- and 30-year loans.
- Biweekly mortgageSee what paying half your mortgage every two weeks saves.
- Mortgage paymentEstimate the full monthly payment on a Texas home, including the property tax and insurance that make Texas payments higher.
- Texas property taxEstimate your yearly Texas property tax with the homestead exemptions voters approved in November 2025.
- Home affordabilityWork out a realistic Texas home budget from your income and debts.
- Debt service coverageCheck whether income covers loan payments the way lenders require.
How to estimate your full mortgage payment
Start with Mortgage payment to estimate the monthly cost, including taxes and insurance for your state. If you are buying in Texas, the Texas version of Mortgage payment estimates the full payment with Texas property tax and insurance. Home affordability helps connect a realistic home budget to your income and debts. Down payment estimates a savings target and how long it may take to reach it; Closing costs estimates the cash you may need at closing.
Use Amortization schedule to see how each payment reduces the balance over time. Mortgage payoff and Biweekly mortgage show how extra payments can change the payoff timeline and interest. Compare 15 vs 30 year to weigh a shorter term against its payment, and Mortgage points to estimate how long it takes for a lower rate to offset the upfront cost. PMI estimates mortgage insurance and when it may end. Mortgage recast estimates a new payment after a lump-sum payment.
Compare loan options, refinancing and home equity
Use Refinance to compare potential savings with refinancing costs. Cash-out refinance estimates the cost of borrowing against home equity through a new mortgage. HELOC and Home equity loan help estimate borrowing amounts and payments using your home’s equity. Loan-to-value shows how the loan compares with the property value, a figure that can inform lender discussions.
FHA loan, VA loan and USDA loan estimate payments for those loan types, including relevant mortgage insurance or fees. For context, the supplied 2026 figures list a conforming loan limit of $832,750 for a one-unit property, FHA upfront and annual mortgage insurance premiums of 1.75% and 0.55% for most 30-year loans, and a VA funding fee of 2.15% for first use with less than 5% down. USDA fees are 1% upfront and 0.35% annually. Confirm your eligibility, fees and loan terms with a qualified lending professional.
Plan for Texas property taxes and selling costs
Texas property tax estimates yearly tax using the homestead exemption figures supplied for 2026: $140,000 for the school homestead exemption, plus $60,000 if you are 65+ or disabled. Your estimate can help with budgeting, but it is not a tax bill. Confirm tax questions with a qualified tax professional.
When you plan to sell, Seller net proceeds estimates what may remain after costs and the mortgage balance. Rent vs buy compares the long-run costs of each choice, while Rent affordability helps set a rent budget. For insurance coverage or policy questions, confirm terms with a qualified insurance professional.
Questions
Which calculator should I use before making an offer?
Begin with Home affordability and Mortgage payment to check the budget and monthly cost. Then use Down payment and Closing costs to estimate the cash needed to complete the purchase.
Which calculators can help me assess a rental property?
Rental property estimates cash flow and returns. Cap rate focuses on a property's cap rate, while Debt service coverage checks whether income covers loan payments. House flip is designed for a fix-and-flip analysis.
Can I use these estimates as a lender quote or tax bill?
No. Use the results to compare scenarios and prepare questions. Confirm loan terms with your lender and tax questions with a qualified tax professional.
Before you act. These calculators and guides are educational estimates, not professional advice. Review any decision with a licensed loan officer, real estate attorney or HUD-approved housing counselor who can look at your full situation.