Mortgage Calculators That Actually Make Sense
Whether you're buying, selling, or refinancing, use these tools to get a clear picture of the numbers before you talk to anyone.
I want to:
Buying
Monthly Payment Calculator
"What will my payment be each month?"
Enter your home price, down payment, loan term, and interest rate to see a full breakdown of principal, interest, taxes, and insurance.
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Buying
Home Affordability Calculator
"How much home can I actually afford?"
Based on your income, debts, and down payment, see a realistic price range so you shop with confidence — not guesswork.
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Qualifying
Income Qualifier Calculator
"What income do I need to qualify?"
Enter a target home price and see exactly what gross monthly income lenders typically require to approve the loan.
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Buying
Closing Cost Calculator
"How much cash will I need at closing?"
Estimate your total cash-to-close including your down payment, lender fees, title charges, prepaid taxes, and insurance.
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Refinancing
Refinance Calculator
"Is refinancing actually worth it for me?"
Compare your current loan to a new rate and term. See your monthly savings, break-even point, and total interest saved over the life of the loan.
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Selling
Net Proceeds Calculator
"How much will I walk away with after selling?"
Account for your mortgage payoff, agent commission, closing costs, repairs, and more to see your true bottom line before you list.
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Buying
Buying Power Calculator
"How much can I actually borrow?"
See how changes in your down payment, interest rate, or loan term affect the maximum loan amount you can qualify for.
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Buying
Temporary Buydown Calculator
"How much could a 2-1 buydown save me?"
See exactly how a 1-0, 2-1, or 3-2-1 temporary rate buydown lowers your payment in the early years and whether the seller-paid cost makes sense.
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Not sure which calculator to start with?
Tell us where you are in the process and a Flagstone loan officer will walk you through the numbers — no pressure, no obligation.
Common questions about mortgage calculators
Are these calculator results accurate?
These calculators give you a solid ballpark estimate based on the information you enter. They're designed to help you understand the range of numbers involved, not replace a formal loan estimate. For an accurate quote specific to your credit profile, income, and the property you're buying, a Flagstone loan officer can provide a full loan estimate — usually within 24 hours.
What interest rate should I use?
Use current average rates as a starting point — you can find these on our rates page. Keep in mind your actual rate will depend on your credit score, loan type, down payment, and the property itself. For a more precise number, getting a rate quote from Flagstone takes about 5 minutes and doesn't affect your credit score.
Do these calculators include property taxes and insurance?
Our monthly payment calculator includes estimated property taxes and homeowners insurance (PMI where applicable). Other calculators focus on specific parts of the transaction. Tax and insurance amounts are estimates — your actual costs will depend on your property's assessed value and local rates.
Which calculator is best for first-time buyers?
Start with the Home Affordability Calculator to understand your price range, then run the Monthly Payment Calculator to make sure the payment fits your budget. The Closing Cost Calculator is also important — many first-time buyers are surprised by how much cash is needed at closing beyond the down payment.
I'm selling and buying at the same time. Where do I start?
Run the Net Proceeds Calculator first so you know how much equity you'll be working with from the sale. Then use the Home Affordability or Monthly Payment Calculator to see what your next purchase looks like with that equity as a down payment. A Flagstone loan officer can help you time both transactions so you're not caught holding two mortgages.
All calculators are provided for illustrative and educational purposes only and are not intended to replace a professional loan estimate. Results do not constitute a loan offer or financial advice. Actual rates, payments, and costs will vary based on your credit profile, property type, loan program, and other factors. All loans subject to underwriter approval. Flagstone Mortgage — NMLS #[YOUR NMLS ID].