🏦
Loan Estimate Tool

Mortgage Calculator

Instant, accurate loan estimates for your clients

Loan Parameters
⬡ Conventional Loan
1st Use · 0% Down
2.15%
1st Use · 5%+ Down
1.40%
Subsequent · 0% Down
3.30%
Disabled Veteran
0.00%
$
20%
$
$
6.50%
%
📈 ARM Configuration
%
Initial Cap
%
Periodic Cap
%
Lifetime Cap
%
Max Possible Rate
—
Worst-Case Payment
—
Optional Costs
Property Tax
Annual amount
$ /yr
Homeowners Insurance
Annual premium
$ /yr
HOA Fees
Monthly dues
🔄 Refinance Parameters
Current Loan
$
$
%
New Loan
%
$
Cash-Out Refi: Your new loan = current balance + cash-out. Max 80% LTV typically required.
Closing Costs
$
Loan Estimate
Estimated Monthly Payment
$—
Principal & Interest
—
Property Tax
—
Homeowners Ins.
—
PMI / MIP
—
HOA
—
Loan-to-Value
—
Upfront Fee (financed)
—
Total Interest Paid
—
Total Cost of Loan (P+I)
—
Principal—
Interest—
Tax—
Insurance—
PMI—
Lifetime Payment Breakdown
Principal
Total Interest
Taxes
Insurance
Refinance Analysis
Current Payment
$—
— % · — yr
→
$— /mo
New Payment
$—
— % · — yr
Monthly Savings
$—
per month
Break-Even Point
— mo
New Loan Amount
$—
New LTV
—%
Lifetime Interest Savings
$—
Closing Costs
$—
Break-Even Progress (36-month view) — mo
012 mo24 mo36 mo+
Total Interest: Old vs New Loan
Current Loan (remaining) $—
New Refinanced Loan $—
Adjust inputs to see your refinance analysis.
📍 State / Jurisdiction
Lender's title insurance auto-calculated using Texas promulgated rates (TDI)
Loan Costs
A Origination Charges $0.00 ▼
01 Points (% of Loan Amount) Auto
%
= $0.00
02 Document Preparation Fee
$
03 Processing Fees
$
04 Underwriting Fees
$
B Services Borrower Did Not Shop For $0.00 ▼
01
Appraisal Fee
$
02
Credit Report
$
03
Flood Certification
$
C Services Borrower Did Shop For $0.00 ▼
01
Title – Lender's Title Insurance calculated from loan amount + state rate
Auto
$
02
Title – Settlement Fee
$
03
Title – Texas Tax Guaranty Fee
$
04
Title – Endorsement Fee
$
D. Total Loan Costs (Borrower-Paid) $0.00
Other Costs
E Taxes & Other Government Fees $0.00 ▼
01
Recording Fees
$
Deed
$
Mtg
F Prepaids $0.00 ▼
01
Homeowner's Insurance Premium (12 mo.) linked to HO Insurance input
Auto $0.00
02
Mortgage Insurance Premium (12 mo.)
Auto —
03
Prepaid Interest ($0.00/day)
Auto
days $0.00
04
Property Taxes (prepaid)
$
G Initial Escrow Payment at Closing $0.00 ▼
01
Homeowner's Insurance $0.00/mo
Auto
mo. $0.00
02
Mortgage Insurance (PMI)
Auto
mo. —
03
Property Taxes $0.00/mo
Auto
mo. $0.00
08
Aggregate Adjustment
Auto $0.00
H Other $0.00 ▼
01
Real Estate Commission
$
02
Real Estate Commission
$
03
Title – Owner's Title Insurance (optional)
$
I. Total Other Costs (Borrower-Paid) $0.00
Closing Cost Subtotals Borrower-Paid
D. Total Loan Costs $0.00
I. Total Other Costs $0.00
J. Total Closing Costs $0.00
Cash to Close Components
Down Payment $0.00
Total Closing Costs $0.00
Lender Credits (−)
$
Estimated Cash to Close $—