Free mortgage planning tools
Mortgage Calculator Center
Compare payments, estimate buying power, plan closing costs and evaluate refinance options with mortgage calculators built for homebuyers and homeowners in Kansas and Missouri.
Start with a popular tool
Most-Used Mortgage Calculators
Use one of these calculators for the questions borrowers ask most often.
Calculator directory
Find the Right Mortgage Calculator
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Plan a home purchase
Home Buying Calculators
Estimate your budget, monthly payment and upfront cash requirements before making an offer.
Monthly Payment
Mortgage Payment Calculator
Estimate principal and interest, property taxes and homeowners insurance for a Kansas or Missouri home.
- Full monthly payment estimate
- Adjustable price, rate and term
- Purchase or refinance scenarios
Buying Power
Home Affordability Calculator
Estimate a potential home-price range using income, monthly debts, available down payment and interest rate.
- Income and debt inputs
- Estimated maximum home price
- Monthly payment breakdown
Cash to Close
Closing Costs Calculator
Build an itemized estimate of lender fees, title expenses, prepaid costs and escrow reserves.
- Purchase and refinance options
- Kansas and Missouri selections
- Editable cost assumptions
Government-backed options
Loan Program Calculators
Estimate payments and program-specific costs for FHA and VA financing.
FHA Financing
FHA Mortgage Calculator
Estimate an FHA payment including financed upfront mortgage insurance and monthly mortgage insurance.
- Minimum down-payment guidance
- Upfront and annual MIP estimates
- Taxes and insurance inputs
VA Financing
VA Mortgage Calculator
Estimate a VA loan payment with optional down payment, funding fee, taxes and homeowners insurance.
- $0-down scenarios
- VA funding-fee calculation
- 15- and 30-year options
Evaluate a new mortgage
Refinance Calculators
Compare potential payment savings, discount-point costs and shorter-term loan structures.
Payment & Savings
Refinance Savings Calculator
Compare your current mortgage with a proposed refinance to estimate payment and interest savings.
- Current versus proposed loan
- Monthly and lifetime savings
- Estimated break-even timing
Rate Buydown
Mortgage Points Calculator
Compare the upfront cost of discount points with potential monthly payment savings and break-even timing.
- Point cost estimate
- Monthly savings comparison
- Break-even analysis
Loan-Term Comparison
15-Year vs. 30-Year Calculator
Compare monthly payments, total interest and repayment timelines for two common fixed-rate terms.
- Side-by-side payment comparison
- Total interest difference
- Long-term cost tradeoffs
Understand the full loan
Mortgage Planning Calculators
See how a mortgage balance changes over time and how principal and interest are allocated.
Loan Schedule
Mortgage Amortization Calculator
Review how each payment is divided between principal and interest throughout the life of a mortgage.
- Monthly amortization schedule
- Remaining balance over time
- Principal and interest totals
More Ways to Plan
Get More Answers Before You Apply
Additional tools are being added to help you estimate a down payment, test extra payments, understand PMI and review your debt-to-income ratio before speaking with a loan officer.
New Tools Coming SoonA practical order of operations
Which Calculator Should You Use First?
For a home purchase, use the tools in this sequence to move from a rough budget to a more complete financing plan.
Mortgage calculator guide
How to Use Mortgage Calculators Effectively
Mortgage calculators are planning tools. They can help you compare scenarios, understand tradeoffs and identify questions to discuss with a loan officer, but their results are estimates rather than loan approvals or binding disclosures.
Use the full housing payment
A realistic monthly budget may include principal, interest, property taxes, homeowners insurance, mortgage insurance and association dues—not only principal and interest.
Test more than one scenario
Change the purchase price, down payment, interest rate and loan term to see which variables have the greatest effect on payment and cash requirements.
Use property-specific estimates
Taxes, insurance and association dues vary by property and location. Replace default assumptions with actual figures as soon as they are available.
Common questions
Mortgage Calculator FAQs
Which mortgage calculator should I use first?
Buyers who are still setting a budget should generally begin with the home affordability calculator. Once you have a target price range, use the mortgage payment calculator and closing costs calculator to estimate monthly and upfront costs.
Do mortgage calculators include taxes and insurance?
Some tools estimate only principal and interest, while others allow you to include property taxes and homeowners insurance. Review each result carefully and include mortgage insurance or association dues when those costs may apply.
How accurate is an online mortgage calculator?
Accuracy depends on the inputs. The principal-and-interest formula can be calculated precisely, but interest rates, taxes, insurance, mortgage insurance, fees and eligibility depend on borrower and property details that a general calculator cannot fully verify.
Can a mortgage calculator tell me whether I qualify?
No. Calculator results are estimates and do not represent credit approval. Qualification requires a review of income, assets, debts, credit, property information and applicable loan guidelines.
Should I use an FHA or VA calculator instead of the standard payment calculator?
Use the program-specific calculator when evaluating FHA or VA financing because those tools account for costs such as FHA mortgage insurance or the VA funding fee that are not part of a standard conventional payment estimate.
Why can my actual payment differ from the calculator result?
Your final payment can differ because of the actual interest rate, annual percentage rate, property taxes, insurance premiums, mortgage insurance, prepaid items, escrow requirements, loan amount and closing date. A Loan Estimate provides transaction-specific figures after application.
Continue your research
Mortgage Resources for Kansas & Missouri
A clear answer beyond the estimate
Turn Your Calculator Results Into a Personalized Mortgage Plan
Compare available loan structures, estimated payments, cash requirements and current pricing with a Kansas City mortgage professional serving Kansas and Missouri.
Calculator results are estimates for educational purposes only and are not a commitment to lend, credit approval or a Loan Estimate. Actual terms, payments, taxes, insurance, mortgage insurance, fees and cash requirements may vary. All loans are subject to credit approval and applicable program guidelines. Metropolitan Mortgage Corporation | NMLS #227722.