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Home Financing Calculators and Tools

HSH.com’s free mortgage calculators can answer even complex financial questions in just a few minutes. We'll help you find answers to common items, such as "Can I qualify for a mortgage?" What’s my monthly payment?" or "Will prepaying my mortgage help me save money?" all the way up to more difficult ones, such as "How large of a down payment do I really need?", "What’s the best way to pay for my refinance?" or even "When will my home no longer be underwater?"

Whether you’re looking to learn more about your purchase, refinance or you simply need a few tools to better help you manage your mortgage, HSH.com has all the bases covered. Scroll down to browse our calculator list or use the navigational elements below to find the calculator you are looking for.

 

Most Popular Calculators

 

Mortgage Calculator with Amortization Schedule

The classic: Full payment-by-payment amortization of your loan and a print-and-take-away schedule. Biweekly schedules, too!

 

PMI Cost Calculator

What will mortgage insurance cost with less than a 20-percent down payment?

 

PMI Calculator

A more complete review of your loan's costs, including your mortgage insurance premium -- and when it will disappear.

 

Refinance Calculator

Plug in your numbers and find out the best way to pay for your refinance -- find out how to save the most money.

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Refinance Calculators

 

Refinance Calculator - HSH.com's TriRefi℠ Calculator

Plug in your numbers and find out the best way to pay for your refinance -- find out how to save the most money.

 

PreFi℠ Prepayment Refinance Calculator

Prepaying your mortgage can save you as much interest as refinancing -- without the cost or hassle!

 

LowerRate℠ Mortgage Prepayment Calculator

Wish you refinanced at the very bottom for mortgage rates? Pick the rate you want and prepay your mortgage to the same savings!

 

Refinance Calculator- Should I Refinance My Mortgage?

The age-old question -- answered in this classic "break-even" calculation.

Want more personalized results?

Compare mortgages rates in your area and then calculate your monthly payments.
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Home Mortgage Calculators

 

Rent vs. Buy Calculator

Take the plunge into homeownership or not? See all the financial angles to see if buying a home will benefit you (requires Java).

 

Down payment Decisioner℠ Down Payment Calculator

More down payment or less? Learn the cost break points for mortgage insurance and how to keep or save the most money when buying a home.

 

FeePay BestWay℠ Closing Cost Calculator

Find out the best way to pay your home loan's closing costs -- out of pocket, in the loan balance or incorporated into the rate.

 

How Much House Can I Afford?

Qualify yourself for a mortgage amount and maximum home price just like the professionals do.

 

Income Qualification Calculator

See what kind of income you'll need to cover your mortgage payment, property taxes, insurance, maintenance costs and more.

 

It's My TermPrepayment Calculator

You choose when you want your mortgage to end -- we'll tell you what you need to spend to make it happen.

 

RoundUp℠ Prepayment Calculator

Painlessly putting even a few extra dollars per month toward your mortgage can save you a bunch of money over time.

 

Underwater Mortgage Calculator - KnowEquity When℠

Downturn left you underwater? Find out when you won't be through the process of amortization and appreciation.

 

Underwater Mortgage Calculator - KnowEquity How℠

Need your mortgage to be above water by a certain date? Learn the exact combination of prepayment and appreciation you'll need to get there.

 

Mortgage Prepayment Calculator

Learn how much you can save if you prepay your mortgage -- and how soon your loan will end.

 

Mortgage Calculator: Mortgage Amortization Calculator and Schedule

The classic: Full payment-by-payment amortization of your loan and a print-and-take-away schedule. Biweekly schedules, too!

 

Private Mortgage Insurance Calculator

What will mortgage insurance cost with less than a 20-percent down payment?

 

PMI and Loan Amortization Schedule

A more complete review of your loan's costs, including your mortgage insurance premium -- and when it will disappear?

 

Fast Amortization Calculator

Three inputs and you can see a full breakout of your home loan's principal and interest payments.

Mortgage Widgets and Tools

 

Home value estimator: MyHPI.

MyHPI, a home value estimate tool, will tell you how much the value of your home has changed since you owned it, based on how your overall market has performed.

 

Free Mortgage Widgets.

Looking for free and informative tools for your website? HSH.com's free widgets provide fresh content that can improve any website.

 

Are You a Normal Neighbor?

Tell us a little bit about your family and your home, and we'll show you how you compare to the averages in your area.

 

The Mortgage Next Door

See the average home loan in your neighborhood and how it compares to yours.

Other Home Loan Calculators

 

Basic Loan Payment Calculator

Fast and simple -- and perfect for auto and personal loans, too.

 

Monthly Payments Per $1000 and Total Cost (principal and interest combined)

A print-and-take-away handy reference table for calculating monthly mortgage payment and total interest cost.

 

Credit Grade Calculator

Not sure where you stand? This simple calculator will give you a "ballpark estimate" of how good or bad your credit is.

 

APR Calculator

Calculate the effect of fees and points to see your mortgage's true cost.

 

Loan Comparison Calculator

A quick side-by-side way to compare costs of two different mortgages.

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National Mortgage Rates

July 22, 2016
Last Week Rate
  • 30-year Fixedrate higher3.59%3.54%
  • 15-year Fixedrate higher2.99%2.94%
  • 1-year ARMrate higher2.72%2.66%

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