Mortgage Calculators & Tools

Free calculators to help loan officers explain complex mortgage concepts to clients.

Temporary Buydown

Calculate temporary rate reductions and seller concession buydowns

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2-1 Buydown Calculator

Calculate the cost and monthly payment savings of a 2-1 temporary buydown

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3-2-1 Buydown Calculator

Calculate the cost and savings of a 3-2-1 temporary buydown over three years

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1-0 Buydown Calculator

Calculate the cost and first-year savings of a 1-0 temporary buydown

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Temporary Buydown Cost Calculator

Calculate the total cost to fund a temporary buydown

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2-1 Buydown Subsidy Calculator

Calculate how much seller subsidy you need to fund a 2-1 buydown

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Seller Concession Buydown Calculator

Calculate how to maximize seller concessions with a temporary buydown

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Builder Incentive Buydown Calculator

Calculate how to maximize builder incentives with a temporary buydown

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Rate Buydown Calculator

Compare temporary buydowns vs permanent rate reductions with points

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How Much Does a 3-2-1 Buydown Cost?

Calculate the total cost and monthly payments for a 3-2-1 buydown

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2-1 Buydown Amortization Schedule

View month-by-month payment breakdown for a 2-1 temporary buydown

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Free 2-1 Buydown Calculator

Calculate 2-1 buydown costs and savings - 100% free, no sign-up

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2-1 Buydown Calculator Excel

Calculate online and download results as Excel/CSV file

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3-2-1 Buydown Calculator Excel

Calculate online and download 3-year payment schedule as Excel/CSV

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2-1 Buydown Cost Calculator

Calculate exactly how much a 2-1 buydown costs for your loan

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Discount Points

Analyze discount points costs and break-even periods

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Discount Points Break-Even Calculator

Calculate how many months until your discount points pay for themselves

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Discount Points Calculator

Calculate the cost and value of mortgage discount points

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Points Cost Calculator

Calculate the upfront cost of buying discount points

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Mortgage Points Break-Even Months Calculator

Calculate the exact month when your points investment pays off

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How to Calculate Discount Points on a Mortgage

Formula, examples, and calculator for mortgage discount points

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How Much is 3 Points on a Mortgage?

Quick calculator for 3-point mortgage costs and savings

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Discount Points Formula

The formula, calculation, and examples for mortgage discount points

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Discount Points Mortgage Example

Real-world examples showing discount points costs and savings

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How Much is 2.5 Points on a Mortgage?

Calculate 2.5 points cost and comparison to other point amounts

Rate Lock

Evaluate rate lock fees, extensions, and float vs lock decisions

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Rate Lock Fee Calculator

Calculate the cost of locking your mortgage rate for different periods

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Rate Lock Extension Fee Calculator

Calculate the cost of extending your rate lock if closing is delayed

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Float Down Option Calculator

Calculate if paying for a float down option makes financial sense

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Payment Shock Calculator

Calculate how rate changes affect your monthly mortgage payment

LO Workflow Tools

Essential tools for closing costs and cash to close estimates

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Closing Costs Worksheet

Estimate all your closing costs with this detailed worksheet

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Cash to Close Calculator

Calculate the total cash you need to bring to closing

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Mortgage Insurance (MI/PMI) Estimate

Calculate your monthly PMI or MIP cost based on loan type and LTV