Sales Manager, Kind Lending
Estimates only, based on the numbers above. Not a loan offer, pre-approval or commitment to lend; actual rates and payments depend on a full application and underwriting.
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It may have been mistyped or removed. The calculators below still work with your own numbers.
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Estimate your total monthly payment — principal, interest, taxes, insurance, HOA and PMI.
PMI applies only when your down payment is below 20% of the home price, and drops off automatically once your balance reaches 80% of the home's value. This is an estimate — your actual payment will depend on final rate, program and underwriting.
Drag the slider to see how the split between principal and interest shifts as the loan amortizes.
Full month-by-month schedule for the loan term, grouped by year.
Year-by-year totals for the loan term.
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See how a seller- or lender-funded buydown lowers your rate — and payment — for the first year(s) of the loan.
Year by year, here's what the buydown means for your payment.
Each bar is the total monthly payment for that year: principal & interest plus taxes, insurance and HOA.
Buydown funds are typically held in escrow and used to subsidize your payment during the discount years — the note rate and long-run payment shown for later years don't change. Ask about seller-paid vs. lender-paid buydown options.
A ballpark of how much home you may be able to afford, based on income, debts and a target debt-to-income ratio.
This estimate uses your target back-end DTI only and doesn't reflect full underwriting — actual approval depends on credit, reserves, program guidelines and compensating factors.
Lenders use DTI as a quick check on how comfortably you can take on a new housing payment.
Rough guide: ≤36% is generally strong, 36–43% is typical for conventional approval, 43–50% may work with compensating factors on some programs (FHA/VA), above 50% is a stretch on most. Program limits vary — let's find the right fit for your numbers.
Compare your current payment to a new one and see how many months it takes to recoup closing costs.
If you plan to stay in the home longer than the break-even point, a refinance is typically worth it — the further past break-even, the more you save.
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