Mortgage scenario guides
Pick the scenario that matches your goal to get focused tips, FAQs, and ready-to-use calculator inputs.
-
First-Time Home Buyer Mortgage Calculator
Run the numbers with confidence as you prepare for your first home purchase.
first time home buyer mortgage calculator -
Refinance Mortgage Calculator
See whether a refi saves you money and when the closing costs pay for themselves.
refinance mortgage calculator -
Investment Property Mortgage Calculator
Balance rent, expenses, and financing terms to understand cash flow before you buy.
investment property mortgage calculator -
FHA Loan Mortgage Calculator
Understand how FHA mortgage insurance and flexible credit requirements shape your payment.
fha loan mortgage calculator -
VA Loan Mortgage Calculator
Leverage your VA entitlement to compare zero-down payments and funding fee choices.
va loan mortgage calculator -
Adjustable-Rate Mortgage (ARM) Calculator
Project future payments and rate changes before choosing a 5/1, 7/1, or 10/1 ARM.
adjustable rate mortgage calculator -
Jumbo Loan Mortgage Calculator
Understand larger down payments, stricter underwriting, and cash reserves for high-value homes.
jumbo loan mortgage calculator -
Cash-Out Refinance Mortgage Calculator
See how pulling equity changes your payment, loan balance, and long-term interest costs.
cash out refinance mortgage calculator -
USDA Loan Mortgage Calculator
Leverage zero down payment financing in eligible rural areas with confidence.
usda loan mortgage calculator -
Physician Mortgage Calculator
Use tailored doctor loan assumptions to manage student loans and rapid income growth.
physician mortgage calculator -
Condo Mortgage Calculator
Account for monthly dues, special assessments, and condo underwriting rules.
condo mortgage calculator -
Manufactured Home Mortgage Calculator
Incorporate land leases, foundation rules, and HUD code requirements into your payment plan.
manufactured home mortgage calculator -
Mortgage Closing Cost Calculator
Map out origination fees, prepaid taxes, and insurance before locking your rate.
mortgage closing cost calculator -
PMI Removal Calculator
Track principal paydown and home appreciation to cancel PMI sooner.
pmi removal calculator -
Biweekly Mortgage Calculator
Make half-payments every two weeks and shave years off your mortgage.
biweekly mortgage calculator -
Extra Payment Mortgage Calculator
Experiment with monthly, annual, or lump-sum principal payments.
extra payment mortgage calculator -
Interest-Only Mortgage Calculator
See how interest-only periods affect cash flow and long-term costs.
interest only mortgage calculator -
Reverse Mortgage Calculator
Convert home equity into tax-free income while planning heirs and long-term housing goals.
reverse mortgage calculator -
Mortgage Rates 2026 Forecast: What Home Buyers Should Know
Industry experts predict mortgage rates will decline throughout 2026, creating new opportunities for home buyers.
mortgage rates 2026 forecast -
First-Time Home Buyer 2026: Complete Guide to Getting Started
Navigate the 2026 housing market with confidence using our comprehensive first-time buyer guide and mortgage calculator.
first time home buyer 2026 guide -
Refinancing Opportunities 2026: When to Refinance Your Mortgage
Take advantage of declining rates in 2026 to reduce your monthly payments and save thousands in interest.
refinancing 2026 when to refinance -
Down Payment Strategies 2026: Maximize Your Savings and Buying Power
Discover the most effective down payment strategies for 2026, including assistance programs and optimal percentages for your situation.
down payment strategies 2026 -
Real Estate Market Trends 2026: What Home Buyers and Sellers Should Expect
Navigate the 2026 real estate market with confidence using data-driven insights and our mortgage calculator.
real estate market trends 2026 -
Alabama Mortgage Calculator
Account for property taxes near 0.4% - 0.6% and insurance for tornado and hurricane exposure along the Gulf Coast before you make an offer.
alabama mortgage calculator -
Alaska Mortgage Calculator
Account for property taxes near 1.1% - 1.3% and insurance for earthquake coverage and extreme winter utility costs before you make an offer.
alaska mortgage calculator -
Arizona Mortgage Calculator
Account for property taxes near 0.6% - 0.8% and insurance for monsoon flooding and extreme desert heat before you make an offer.
arizona mortgage calculator -
Arkansas Mortgage Calculator
Account for property taxes near 0.6% - 0.8% and insurance for tornado, hail, and river flood coverage before you make an offer.
arkansas mortgage calculator -
California Mortgage Calculator
Account for property taxes near 0.7% - 1.2% and insurance for wildfire, earthquake, and coastal wind coverage before you make an offer.
california mortgage calculator -
Colorado Mortgage Calculator
Account for property taxes near 0.5% - 0.7% and insurance for wildfire risk and high-country snow loads before you make an offer.
colorado mortgage calculator -
Connecticut Mortgage Calculator
Account for property taxes near 1.6% - 2.1% and insurance for NorEaster wind, coastal flood, and ice damage before you make an offer.
connecticut mortgage calculator -
Delaware Mortgage Calculator
Account for property taxes near 0.5% - 0.7% and insurance for Atlantic coastal wind and flood coverage before you make an offer.
delaware mortgage calculator -
Florida Mortgage Calculator
Account for property taxes near 0.8% - 1.1% and insurance for windstorm, hurricane, and flood protection before you make an offer.
florida mortgage calculator -
Georgia Mortgage Calculator
Account for property taxes near 0.8% - 1.1% and insurance for tornado, hurricane fringe, and humidity-driven maintenance before you make an offer.
georgia mortgage calculator -
Hawaii Mortgage Calculator
Account for property taxes near 0.3% - 0.5% and insurance for hurricane, lava, and salt air corrosion coverage before you make an offer.
hawaii mortgage calculator -
Idaho Mortgage Calculator
Account for property taxes near 0.6% - 0.9% and insurance for wildfire smoke and heavy mountain snow before you make an offer.
idaho mortgage calculator -
Illinois Mortgage Calculator
Account for property taxes near 2.0% - 2.3% and insurance for wind, hail, and Midwest river flooding before you make an offer.
illinois mortgage calculator -
Indiana Mortgage Calculator
Account for property taxes near 0.8% - 1.0% and insurance for hail, tornado, and winter freeze coverage before you make an offer.
indiana mortgage calculator -
Iowa Mortgage Calculator
Account for property taxes near 1.3% - 1.6% and insurance for river flooding, hail, and blizzard protection before you make an offer.
iowa mortgage calculator -
Kansas Mortgage Calculator
Account for property taxes near 1.2% - 1.5% and insurance for tornado alley wind and hail coverage before you make an offer.
kansas mortgage calculator -
Kentucky Mortgage Calculator
Account for property taxes near 0.8% - 1.0% and insurance for Ohio River flooding, tornado, and Appalachian snow before you make an offer.
kentucky mortgage calculator -
Louisiana Mortgage Calculator
Account for property taxes near 0.5% - 0.6% and insurance for hurricane, flood, and windstorm coverage before you make an offer.
louisiana mortgage calculator -
Maine Mortgage Calculator
Account for property taxes near 1.2% - 1.5% and insurance for winter ice dams and Atlantic storm surge before you make an offer.
maine mortgage calculator -
Maryland Mortgage Calculator
Account for property taxes near 1.0% - 1.2% and insurance for Chesapeake Bay flood and hurricane remnants before you make an offer.
maryland mortgage calculator -
Massachusetts Mortgage Calculator
Account for property taxes near 1.0% - 1.2% and insurance for coastal storm, flood, and NorEaster wind coverage before you make an offer.
massachusetts mortgage calculator -
Michigan Mortgage Calculator
Account for property taxes near 1.3% - 1.6% and insurance for lake effect snow, freeze, and flood insurance near rivers before you make an offer.
michigan mortgage calculator -
Minnesota Mortgage Calculator
Account for property taxes near 1.0% - 1.2% and insurance for snow load, ice dams, and severe hail before you make an offer.
minnesota mortgage calculator -
Mississippi Mortgage Calculator
Account for property taxes near 0.6% - 0.8% and insurance for hurricane, floodplain, and tornado coverage before you make an offer.
mississippi mortgage calculator -
Missouri Mortgage Calculator
Account for property taxes near 0.9% - 1.1% and insurance for tornado alley storms and hail before you make an offer.
missouri mortgage calculator -
Montana Mortgage Calculator
Account for property taxes near 0.7% - 1.0% and insurance for wildfire smoke, rural fire districts, and heavy snow before you make an offer.
montana mortgage calculator -
Nebraska Mortgage Calculator
Account for property taxes near 1.5% - 1.9% and insurance for hail, tornado, and Platte River flooding before you make an offer.
nebraska mortgage calculator -
Nevada Mortgage Calculator
Account for property taxes near 0.5% - 0.7% and insurance for desert heat, monsoon flooding, and seismic risk before you make an offer.
nevada mortgage calculator -
New Hampshire Mortgage Calculator
Account for property taxes near 2.0% - 2.2% and insurance for winter storms, ice, and coastal flooding before you make an offer.
new hampshire mortgage calculator -
New Jersey Mortgage Calculator
Account for property taxes near 2.2% - 2.7% and insurance for coastal wind, hurricane, and flood coverage before you make an offer.
new jersey mortgage calculator -
New Mexico Mortgage Calculator
Account for property taxes near 0.6% - 0.8% and insurance for high desert wildfire and monsoon rains before you make an offer.
new mexico mortgage calculator -
New York Mortgage Calculator
Account for property taxes near 1.6% - 2.1% and insurance for blizzards upstate and hurricane or flood risks downstate before you make an offer.
new york mortgage calculator -
North Carolina Mortgage Calculator
Account for property taxes near 0.7% - 1.0% and insurance for hurricane exposure on the coast and Blue Ridge winter storms before you make an offer.
north carolina mortgage calculator -
North Dakota Mortgage Calculator
Account for property taxes near 1.0% - 1.5% and insurance for blizzards, hail, and flooding along the Red River before you make an offer.
north dakota mortgage calculator -
Ohio Mortgage Calculator
Account for property taxes near 1.3% - 1.6% and insurance for lake effect snow, hail, and river flood coverage before you make an offer.
ohio mortgage calculator -
Oklahoma Mortgage Calculator
Account for property taxes near 0.8% - 1.0% and insurance for tornado alley winds, hail, and earthquake endorsements before you make an offer.
oklahoma mortgage calculator -
Oregon Mortgage Calculator
Account for property taxes near 0.9% - 1.2% and insurance for wildfire smoke, Cascadia seismic risk, and coastal storms before you make an offer.
oregon mortgage calculator -
Pennsylvania Mortgage Calculator
Account for property taxes near 1.3% - 1.6% and insurance for Appalachian snow, flood-prone river towns, and Philly stormwater fees before you make an offer.
pennsylvania mortgage calculator -
Rhode Island Mortgage Calculator
Account for property taxes near 1.4% - 1.7% and insurance for coastal wind, flood, and NorEaster damage before you make an offer.
rhode island mortgage calculator -
South Carolina Mortgage Calculator
Account for property taxes near 0.6% - 0.8% and insurance for hurricane winds, coastal flood, and inland tornado risk before you make an offer.
south carolina mortgage calculator -
South Dakota Mortgage Calculator
Account for property taxes near 1.2% - 1.4% and insurance for blizzards, hail, and prairie wind damage before you make an offer.
south dakota mortgage calculator -
Tennessee Mortgage Calculator
Account for property taxes near 0.6% - 0.8% and insurance for tornado outbreaks, flood protection, and Smoky Mountain wildfire risk before you make an offer.
tennessee mortgage calculator -
Texas Mortgage Calculator
Account for property taxes near 1.5% - 2.5% and insurance for wind, hail, and flood coverage for Gulf Coast and Panhandle storms before you make an offer.
texas mortgage calculator -
Utah Mortgage Calculator
Account for property taxes near 0.6% - 0.8% and insurance for Wasatch Front earthquake preparedness and wildfire risk before you make an offer.
utah mortgage calculator -
Vermont Mortgage Calculator
Account for property taxes near 1.6% - 1.8% and insurance for winter storms, ice, and spring flooding before you make an offer.
vermont mortgage calculator -
Virginia Mortgage Calculator
Account for property taxes near 0.8% - 1.1% and insurance for hurricane and tidal flooding in Tidewater plus Blue Ridge winter storms before you make an offer.
virginia mortgage calculator -
Washington Mortgage Calculator
Account for property taxes near 0.9% - 1.1% and insurance for earthquake readiness, wildfire smoke, and heavy rain before you make an offer.
washington mortgage calculator -
West Virginia Mortgage Calculator
Account for property taxes near 0.5% - 0.7% and insurance for Appalachian flooding, winter storms, and mine subsidence before you make an offer.
west virginia mortgage calculator -
Wisconsin Mortgage Calculator
Account for property taxes near 1.7% - 2.0% and insurance for snow, ice, and severe summer hail before you make an offer.
wisconsin mortgage calculator -
Wyoming Mortgage Calculator
Account for property taxes near 0.6% - 0.8% and insurance for high wind, snow load, and wildfire in mountain regions before you make an offer.
wyoming mortgage calculator