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Compare monthly payments across different loan terms including interest-only options. See how switching terms could impact your mortgage payments.
Typical closing costs are 2-5% of the loan amount. Includes appraisal, title, lender fees, and escrow.
30 Year Fixed: Principal + Interest payments that fully amortize your loan over 30 years with consistent monthly payments.
Current Loan
$350,000 @ 7.25%
Payment: $2,400/mo
New 30 Year Loan
$400,000 @ 6.50%
Payment: $2,528/mo
Monthly Difference
+$128/mo
Annual Difference
+$1,539/yr
$2,528
Per month (P&I)
Monthly Savings
+$128
Annual Savings
+$1,539
5-Year Net
+$7,696
30-Year Net
+$46,178
Months to Recoup Closing Costs
N/A
Closing costs exceed monthly savings
30 Year Payment + Taxes + Insurance
$3,078
See how much you could save by consolidating your high-interest debts into your mortgage. Calculate your potential monthly savings and simplify your finances with one easy payment.
Potential Savings
$100s/mo
Use our purchase loan mortgage calculator to estimate your monthly payments, compare different loan options, and find the right mortgage for your budget.
Try Purchase Loan CalculatorExplore interest-only mortgage options that let you pay just the interest for an initial period, giving you flexibility and lower payments early on.
Try Interest Only CalculatorExplore loan restructuring options to potentially lower your payments, change your term, or tap into your home's equity. Use our calculator to see your options.
Try Restructure CalculatorClosings
3-7 Days
Calculate your Debt Service Coverage Ratio (DSCR) to see if you qualify for rental property financing. No income verification required - qualify based on property cash flow.
See how a loan modification could lower your monthly payment. Enter your current loan details and explore potential restructured terms.
Our free calculator helps you estimate how a loan modification might affect your monthly payments. See potential blended rates, payment targets, and more—all for free.
Blended Rate
PITI Payment
Loan Summary
Estimates are for illustration purposes only—final terms are subject to lender/servicer approval.
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