Mortgage Tools & Calculators
Disclaimer: This website provides general mortgage and financial information for educational purposes only. It does not constitute financial, legal, or mortgage advice. Housentia is not a licensed mortgage broker, lender, or loan originator.
Use these tools to estimate payments, compare refinance scenarios, and understand affordability. Results are for educational and illustrative purposes only and do not constitute offers or advice.
For how our tools work and their limitations, see How Housentia Tools Work.
How These Tools Work
Each calculator uses standard formulas (e.g., amortization, DTI) with the inputs you provide. They do not pull live rates or approve you for a loan. Actual rates, terms, and eligibility depend on your credit, income, property, and lender. We recommend using our tools alongside our mortgage guides and glossary to understand the concepts.
Housentia is not a lender or mortgage broker. For personalized numbers, consult a licensed mortgage professional.
Payment & Amortization
- Mortgage Payment Calculator
Estimate your monthly principal and interest, plus optional taxes and insurance (PITI).
Use calculator → - Amortization Calculator
View a full amortization schedule: how each payment splits between principal and interest and the remaining balance.
Coming soon - Extra Payment Calculator
See how extra principal payments reduce total interest and shorten the loan term.
Coming soon
Refinance
- Refinance Break-Even Calculator
Compare your current loan to a new loan and see how long it takes for savings to cover closing costs.
Use calculator →
Affordability & Qualification
- Home Affordability Calculator
Estimate how much home you can afford based on income, debts, down payment, and typical DTI limits.
Use calculator → - Rent vs Buy Calculator
Compare the costs of renting versus buying a home over time, including down payment, mortgage, and maintenance.
Coming soon - Debt-to-Income (DTI) Calculator
Calculate your front-end and back-end DTI to see how lenders may view your affordability.
Coming soon - Down Payment Calculator
See how much you need to put down for a target home price and how it affects LTV and monthly payment.
Use calculator →
Loan Comparison
- Loan Qualification Scenario Comparison
Compare how different loan types (e.g., conventional, FHA) might treat your scenario.
Use calculator → - ARM vs Fixed-Rate Calculator
Compare monthly payments and total cost for an ARM and a fixed-rate mortgage over time.
Coming soon - Non-QM Qualification Scenario Comparison
Compare scenarios for borrowers who may not fit standard QM guidelines (e.g., self-employed, bank statement).
Use calculator →
Specialty
- Solar Savings Estimator
Estimate energy savings and payback for a solar installation. Useful for solar financing decisions.
Use calculator →
Example Uses
- Mortgage payment calculator: See how a $300,000 loan at 6.5% for 30 years affects your monthly P&I and total interest.
- Refinance analyzer: Compare your current payment to a new rate and see how many months until savings cover closing costs.
- Affordability calculator: Enter your income and debts to estimate a comfortable home price and payment.
- DTI calculator: Check your debt-to-income ratio before you apply, so you know how lenders may view your application.