Mortgage Calculator
Estimate payments, compare loan types, check affordability and refinance savings. Every number is editable.
⚠️ The interest rate shown is only an example — enter a rate from a real quote. Call us for today's personalized options.
Auto-estimated at 0.5% when down payment is under 20% (conventional). Edit if you have a quote.
- Loan amount
- Total interest over the loan
- Total of principal & interest
- Payoff date
Balance at end of year
Conventional
- Cash down
- Loan incl. financed fee
- Principal & interest
- PMI / mortgage insurance
- Property tax + Home insurance + HOA
FHA
- Cash down
- Loan incl. financed fee
- Principal & interest
- PMI / mortgage insurance
- Property tax + Home insurance + HOA
VA
- Cash down
- Loan incl. financed fee
- Principal & interest
- PMI / mortgage insurance
- Property tax + Home insurance + HOA
USDA
- Cash down
- Loan incl. financed fee
- Principal & interest
- PMI / mortgage insurance
- Property tax + Home insurance + HOA
Defaults are typical minimums (3%, 3.5%, 0%, 0% down; FHA upfront MIP 1.75%; VA funding fee 2.15% first use; USDA 1% guarantee + 0.35% annual). Eligibility rules apply — VA requires eligible service, USDA requires an eligible rural area and income limits.
Uses total DTI (housing + other debts). Lenders' limits vary by program and credit profile.
- Maximum housing payment
- Loan amount
- Principal & interest
- Current P&I payment
- New P&I payment
- Break-even
- Remaining interest — current vs. new
Ready for real numbers?
Get a personalized quote from Royal Hoang Duong — rates and eligibility depend on your credit, income and property.
Calculator results are estimates for educational purposes only — not a loan offer, approval or commitment to lend. Actual rates, payments, mortgage insurance, taxes and eligibility vary and are subject to credit approval, underwriting and lender guidelines. Royal Hoang Duong, Loan Officer, NMLS #1852235. Loans are arranged through H & L Lending Company LLC, NMLS #1660192, a licensed mortgage broker.
Equal Housing Opportunity. We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
Book an appointment
Talk with Royal Hoang Duong about insurance, a home loan or buying/selling in Florida — by phone, video or at our Tampa office. Mon–Sat 9am–5pm · Vietnamese spoken.