Mortgage Calculators

Plan your home purchase or refinance with our free interactive calculators

Understanding your mortgage numbers is crucial to making informed decisions about buying or refinancing a home. Use these calculators to estimate payments, determine affordability, analyze refinancing benefits, and explore how extra payments can save you money over time.

Jump to Calculator:

Payment Calculator

Affordability Calculator

Refinance Calculator

Extra Payment Calculator

Monthly Payment Calculator

Calculate your estimated monthly mortgage payment including principal, interest, taxes, and insurance.

Home Price

Down Payment (%)

Interest Rate (%)

Loan Term (years)

Annual Property Tax

Annual Home Insurance

Monthly HOA Dues

Your Estimated Payment

Total Monthly Payment

$2,454

Principal & Interest: $2,021

Property Tax: $333

Home Insurance: $100

HOA Dues: $0

PMI (estimated): $0

Loan Details

Loan Amount: $320,000

Down Payment: $80,000

Total Interest Paid: $407,520

Home Affordability Calculator

Determine how much home you can afford based on your income, debts, and down payment.

Annual Gross Income

Monthly Debt Payments Car loans, credit cards, student loans, etc.

Down Payment Available

Interest Rate (%)

Loan Term (years)

Property Tax Rate (%) Arizona average: 0.6% - 1.2%

You Can Afford

Maximum Home Price

$450,000

Loan Amount: $370,000

Down Payment: $80,000

Est. Monthly Payment: $2,800

Debt-to-Income Ratio

Front-End Ratio: 28%

Back-End Ratio: 36%

Most lenders prefer front-end under 28% and back-end under 43%

Refinance Savings Calculator

Calculate your potential savings and break-even point when refinancing your mortgage.

Current Loan

Current Loan Balance

Current Interest Rate (%)

Years Remaining

New Loan

New Interest Rate (%)

New Loan Term (years)

Closing Costs Typically 2-5% of loan amount

Your Refinance Analysis

Monthly Savings

$217

Current Payment: $1,996

New Payment: $1,799

Break-Even Point: 23 months

Lifetime Interest Savings: $45,200

Recommendation: Refinancing could save you money! Your break-even point is less than 2 years.

Extra Payment Calculator

See how making extra payments can help you pay off your mortgage faster and save on interest.

Current Loan Balance

Interest Rate (%)

Years Remaining

Extra Monthly Payment

One-Time Extra Payment Optional lump sum payment

Your Savings

Total Interest Savings

$67,890

Time Saved: 7 years 2 months

New Payoff Date: Jan 2048

Payment Comparison

Regular Payment: $1,896

With Extra Payment: $2,096

Total Interest Paid

Without Extra Payments: $382,633

With Extra Payments: $314,743

Important Note: These calculators provide estimates based on the information you enter. Actual loan terms, payments, and costs may vary based on your specific situation, credit profile, and current market conditions. Property taxes, insurance rates, and HOA fees are estimates and will vary by location and property.

For a personalized quote and expert guidance on your specific mortgage needs, please contact me directly.

Learn More About Mortgages

Explore our resources to make informed decisions:

Ready to Take the Next Step?

Now that you've explored your numbers, let's discuss your specific mortgage needs. I'll provide personalized guidance and help you find the best loan solution for your situation.

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Todd Uzzell | Arizona Mortgage Expert | NMLS# 1525192