Free Mortgage Calculators

Run your numbers.

Estimate a monthly payment, see what your home equity could unlock, or check your refinance savings. Quick, private, and no sign-up required.

Estimated monthly P&I
$2,528
Principal & interest only — taxes, insurance & HOA not included.
Loan amount$400,000
Total interest$510,178
Total of payments$910,178
Get my real rate
Estimated available equity
$252,500
Illustrative line size at your selected CLTV. Final amounts subject to approval.
Max lendable (CLTV)$552,500
Current equity$350,000
Current CLTV46%
Start my fast HELOC
Estimated monthly savings
$337
Difference in principal & interest at the new rate.
Current payment$2,729
New payment$2,398
Savings over 5 years$20,220
See if I should refi

For estimation only. These calculators provide illustrative figures based on the values you enter and do not constitute a loan offer, pre-approval, rate quote, or commitment to lend. Actual rates, payments, equity, and terms depend on credit, income, property, market conditions, and program guidelines, and will vary. Payment estimates show principal and interest only and exclude property taxes, homeowners insurance, mortgage insurance, and HOA dues. Contact Cody Rodgers for a personalized review. Lumin Lending Inc. NMLS #2716106. Equal Housing Opportunity.