What you can calculate

Each calculator estimates a full monthly payment — principal and interest, mortgage insurance where it applies, property taxes, homeowners insurance and HOA dues — then shows an amortization schedule you can accelerate with extra principal.

Agency

Conventional Calculator

Estimates PMI from both your credit score and your down payment, and shows when it drops off at 78% of the original value.

Government

FHA Calculator

Includes the 1.75% upfront MIP financed into the loan plus the annual premium. FHA mortgage insurance is not credit-score based.

Veterans

VA Calculator

No monthly mortgage insurance at any loan-to-value, with funding fee handling and a disability exemption toggle.

Rural

USDA Calculator

Applies the 1% upfront guarantee fee and 0.35% annual fee used on eligible rural properties.

Investor

DSCR Calculator

Enter market rent and see the debt service coverage ratio against the full payment, with an interest-only option.

Commercial

Commercial Calculator

Separate term and amortization so you can model a five or ten year balloon on a 20, 25 or 30 year schedule.

Amortization and extra principal

Every calculation includes a payoff chart and a year-by-year table of principal, interest and remaining balance. Add an extra monthly principal payment and it recalculates the payoff date, the months saved and the total interest saved.

Extra principal is worth modeling early. Payments in the first years are mostly interest, so an extra amount applied at the beginning removes far more interest than the same amount applied later.

Already have a loan?

Switch the calculator to Loan I already have and enter the original amount, rate, term and start date. It estimates your balance today, the interest paid so far and the months remaining — then shows what extra principal would do from this point forward.

These calculators are educational estimates. Mortgage insurance rates vary by lender and are illustrative. Taxes and insurance are estimates, not quotes. Nothing here is a loan approval, a commitment to lend or a rate quote.

Compare an offer you already have

If you are already preapproved, you can upload a Loan Estimate and have the offer reviewed to see whether a lending partner may be able to improve on it.

Compare My Loan Estimate →

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LoanFight is not a direct lender. Program availability, eligibility, pricing and guidelines vary by lender, property, state and complete underwriting. Equal Housing Opportunity.

Mortgage Calculators