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Mortgage Payment Calculator

Calculate your monthly mortgage payment including principal, interest, taxes, and insurance.

Loan Amount ($)

Interest Rate (%)

Loan Term (years)

Property Tax ($/year)

Home Insurance ($/year)

PMI ($/month)

Payment Breakdown

Principal & Interest:: $0.00

Insurance:: $0.00

Property Tax:: $0.00

PMI:: $0.00

Total Monthly Payment:: $0.00

Qualification Mortgage Calculator

Determine your mortgage qualification based on your income, debts, and credit profile.

Income Information

Gross Annual Income ($)

Other Income ($/month)

Debt Information

Credit Card Payments ($/month)

Car Payments ($/month)

Student Loan Payments ($/month)

Other Monthly Debts ($/month)

Property Information

Home Price ($)

Down Payment ($)

Interest Rate (%)

Loan Term (years)

Additional Costs

Property Tax ($/year)

Home Insurance ($/year)

PMI ($/month)

HOA Fees ($/month)

Qualification Analysis

Monthly Gross Income: $0.00

Total Monthly Debts: $0.00

Monthly Mortgage Payment: $0.00

Total Housing Payment: $0.00

Total Monthly Obligations: $0.00

Debt-to-Income Ratio: 0%

Housing Ratio: 0%

Qualification Status: Not Qualified

Qualification Guidelines:

Debt-to-Income Ratio should be 43% or less
Housing Ratio should be 28% or less
These are general guidelines - actual qualification may vary

Refinance Calculator

Calculate your potential refinance savings and determine if refinancing makes financial sense for you.

Conventional Current Mortgage Rates

30-Year Fixed Rate 6.470%

15-Year Fixed Rate 5.810%

Last updated: 2026-06-22 13:00:51(UTC)

Current mortgage details

Home value *

Current loan balance *

Current monthly payment *

Include taxes, homeowners insurance & PMI

New mortgage details

New loan amount

Select your mortgage term length *

This mortgage calculator is provided for informational and educational purposes only. The results are estimates and do not constitute a loan offer, financial advice, or a guarantee of credit approval. Actual loan terms, interest rates, payments, and costs may vary based on lender requirements, market conditions, credit profile, property details, taxes, insurance, and other factors.

Please consult a qualified Visihome mortgage professional for personalized advice and accurate loan information.

Your monthly payment for a 30-year fixed rate loan of $300,000 could be*

$0.00

Current monthly payment: $0.00

New monthly payment*: $0.00

Estimated payment savings: $0.00

Payment Breakdown

Monthly Principal & Interest:: $0.00

Property Taxes:: $0.00

Homeowners Insurance:: $0.00

PMI:: $0.00

Total monthly payment*: $2,526.35

Loan Details

Interest rate:: 6.125%

APR *:: 6.275%

Closing costs (estimated):: $6,000.00

Points:: 0

1 Results are based on the refinance of a home with a current value of $500,000, and a new loan amount of $300,000.

Closing costs are estimated at 2% of loan amount.

APR includes estimated closing costs and fees.

Amortization Calculator

View your complete loan payment schedule and see how much principal and interest you pay each month.

Loan Information

Loan Amount ($)

Interest Rate (%)

Loan Term (years)

Start Date

Amortization Schedule

Monthly Payment: $0.00

Total Interest: $0.00

Total Payments: $0.00

Payoff Date: -

Payment Schedule

Payment #	Date	Payment	Principal	Interest	Balance

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Payment Breakdown Over Time

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