Figure out mortgage payment with taxes
This page will lead you to a variety of home loan calculators for
home buyers, sellers, mortgage brokers & bankers, including a good
faith estimate calculators.
These web tools will easily estimate buyer and seller closing
costs. The online calculators are made available to you as a self-help
tool for illustrative use only. Examples are hypothetical.
We can not and do not guarantee the applicability or accuracy in regards
to your individual circumstances. I encourage you to seek personalized
advice from qualified professionals.
Please send me an
E-mail to report any
glitches, suggestions, or underwriting changes. If you desire a calculator
not listed, please send me a suggestion, I'm always looking for
ideas for a new calculator.
1. Buyer cost estimate for Pennsylvania
Pennsylvania
home buyers, real estate agents and even loan officers can easily
and accurately estimate the down payment and closing costs for an
FHA, VA, USDA and conventional home loan.
2. Buyer cost estimate X 3 for Pennsylvania
This
good faith estimate is similar to the
buyer cost estimate above with one big difference,
the format allows you to compare three loan offers side by
side.
3. Seller cost estimate and net proceeds for Pennsylvania home sellers
Pennsylvania
home sellers and real estate agents can easily and
accurately estimate the closing costs for a home sale. The
home sale calculator will also "reverse" calculate. For
example, if the seller desires to net a certain amount, the
calculator will recalculate the closing costs to achieve the
desired net proceeds. Great tool for offers and counter
offers!. Other home sale calculators can be found on the
right side bar
4. Listing and home sales price calculator
How
much are you going to sell your home for? Use the listing
calculator to estimate the closing costs and your net
proceeds before putting your house up for sale.
5. FHA loan and payment calculator
The
best FHA loan calculator on the web! Easily estimate the FHA
mortgage payment with taxes, insurance and mip for all 50
states and US territories. The calculator will also estimate
jumbo FHA loans. Find the lowest FHA interest rate too! See
the side bar for state specific FHA loan calculators.
The
VA home loan calculator will estimate the VA loan amount and
funding fee. The calculator will also estimate jumbo VA loans. See
the side bar for state specific VA loan calculators.
Did
you know that the USDA home loan does not require a down
payment? That's right, zero down, 100% financing. The USDA
calculator will estimate the mortgage amount and monthly
loan payment.
Here's
a bummer, the credit calculator will estimate how many years it will take
to payoff your credit card. Ouch!
9. CD Interest Rate Comparison and Calculator
Find the lowest CD interest rate and calculate the interest payment.
10. Conventional 97 loan versus FHA
Recently, the Federal National Mortgage Association (Fannie Mae) lowered the minimum down payment to 3% for qualified first time home buyers. But is it a good program? Is it better than an FHA home loan? Use the comparison calculator and see for yourself.
Lenders
use a simple calculation to compare the amount of monthly
income to monthly debt. The ration between income and debt
is called debt to income. The debt to income calculator will
estimate the "ideal" monthly loan payment based on income
and debt.
12. Discount points calculator
Just
how much are discount points? Paying "points" on a loan can
actually save you money. The points calculator will estimate
the cost of mortgage points. Learn about discount points.
13. Down payment and monthly calculator
Calculate
the down payment cost for a loan and estimate the monthly
payment for the traditional principal and interest payment
and biweekly and interest only payment for 5, 10, 15, 20,
25, 30, 35, and 40 year terms.
Making extra payments on your mortgage can drastically reduce the number of years on the loan . . . and can save you a tremendous amount of interest. How many months can you knock off your loan if you make extra payments every month? Find your savings with the extra payment calculator.
15. Home equity explanation and payment calculator
Easy to understand explanation of a home equity loan and payment calculator. Links to the best home equity rates
16. Piggyback loan payment & PMI comparison calculator
The
piggyback calculator will estimate the first and second loan
payment. You can choose purchase and interest, biweekly and
interest only options. The calculator can also compare the
payment savings (or cost) against a loan payment with monthly
mortgage insurance (PMI). The piggyback loan is also known as a
tandem, combo, and blended rate mortgage.
What is a millage rate? How do I calculate my tax millage rate? Use the millage rate calculator to estimate your tax rate
17. Monthly debt & refinance calculator
Thinking
about refinancing your mortgage or consolidating your debt?
The refinance calculator will add up your monthly payments
and account balances.
18. Mortgage pre-qualification calculator
The
pre-qualification calculator is a robust monthly income and
debt calculator. The calculator will convert year to date,
weekly, bimonthly and hourly income into monthly earnings.
The monthly debt component can quickly determine which
monthly debt should be paid off and meet the debt to income
ratio. Great tool for loan offices!
19. Per diem interest calculator
Did
you know that when you finalize the loan with your lender
that you pay interest on the loan from the first day of the
month to the day of closing? That's right, the bank never
loses, there's not free interest. The per diem interest will
calculate the daily interest payment
20. Property tax and proration calculator
Just
how much will you get back at settlement for prepaid taxes .
. . or, how much will you have to pay the buyer for past due
or unpaid real estate taxes? At
closing, the real estate taxes will be "prorated".
In other words, if the property taxes have been paid, this tool
will estimate the taxes paid to you by the buyer at closing.
This tool will also estimate the real estate taxes owed to the
buyer that have not been paid. Real estate agents find this
calculator useful for those "close" deals.
21. Seller paid closing cost (seller assist) calculator
The
mortgage programs (i.e. FHA, VA, USDA and conventional
mortgages) all allow the home seller to pay a percentage of
the buyer's closing costs. The closing cost calculator will
estimate the seller paid closing costs/
22. Amortization and mortgage payment calculator
Amortization and payment calculators with up to date interest rate chart