Free Mortgage Calculators for Conventional Loans

Whether you're a first-time buyer or refinancing, our free mortgage calculators give you clarity on payments, affordability, debt ratios, and loan costs. No sign-ups, no spam - just instant answers for conventional loans.

Use these tools to compare ARM vs fixed, estimate your DTI, see how extra payments shorten your loan, and decide if a 20% down payment makes sense. All calculators are designed for real-world scenarios.

Adjustable-Rate Mortgage (ARM) Calculators

See how rate adjustments impact your monthly payment. Compare 3/1, 5/1, 7/1, and 10/1 ARMs with extra payment and interest-only options.

• 3/1 ARM Calculator
• 5/1 ARM Calculator
• 7/1 ARM Calculator
• 10/1 ARM Calculator

Amortization & Extra Payment Tools

Understand how extra payments save interest and shorten your loan term. Our amortization calculator shows you the real impact.

• Amortization with Extra Payments
• 50-Year Amortization Comparison

Affordability & Borrowing Power

How much house can you afford? Use our affordability calculator to set a realistic budget based on your income and debts.

• Affordability Calculator
• Loan Amount Calculator
• Income Calculator for Conventional Loans

Per Diem Interest

Know exactly how much interest accrues daily. Perfect for closing cost planning.

• Per Diem Interest Calculator

Credit & Qualification

Check your credit scores and debt ratios before applying. These tools help you spot issues early.

• Credit Score Average Calculator
• Credit Utilization Calculator
• Debt-to-Income Ratio Calculator (DTI)

Down Payment, Points & Cash Planning

Estimate your down payment, earnest money, and whether discount points make sense for your situation.

• Down Payment Calculator
• Earnest Money Calculator
• Discount Points Calculator
• 2-1 Rate Buydown Calculator

Loan Comparison Tools

Compare mortgage programs, payment options, and piggyback loans side by side.

• Mortgage Program Comparison
• Payment Comparison
• Piggyback Mortgage Calculator

Refinance Calculators

Evaluate cash-out and rate/term refinances. See if refinancing saves you money.

• Cash-Out Refinance Calculator
• Rate/Term Refinance Calculator

Specialized Calculators

Student loans, LTV/CLTV, commission income - get precise numbers for unique situations.

• Student Loan Impact Calculator
• LTV & CLTV Calculator
• Tier Commission Calculator
• Conventional Loan Limit Lookup
• HomeStyle Renovation Loan Calculator

Program-Specific Tips

• Higher credit scores → lower interest rates. Use our credit score calculator to check your average.
• 20% down payment eliminates PMI and reduces monthly costs.
• Conventional loans work for primary, second homes, and investment properties.
• Refinancing options are flexible - run the numbers with our cash-out or rate/term calculators.

Not Sure Which Calculator to Use?

Start with affordability if you're buying. Use amortization to compare loan costs. For refinancing, check our cash-out and rate/term tools. Each calculator answers one clear question - so you can move forward with confidence.