Mortgage Calculator

Easily estimate your mortgage costs with The Paladin Mortgage Calculator Suite. Compare Conventional, FHA, VA, Affordability, and Refinance options to see your monthly payments, taxes, insurance, and savings — all in one place for smarter home-buying and refinancing decisions.

Conventional Mortgage Calculator

PMI applies automatically when LTV ≥ 80%.

Results

Purchase Price$0
Down Payment$0
LTV0%
Loan Amount$0
PMI StatusNo PMI
Monthly Principal & Interest$0
Monthly Taxes$0
Monthly Insurance$0
Monthly HOA$0
Monthly PMI$0
Estimated Total Monthly Payment$0
P&I uses fixed-rate amortization. PMI = (Annual PMI % × Loan ÷ 12) when LTV ≥ 80%.

FHA Mortgage Calculator

Results

Purchase Price$0
Down Payment$0
LTV0%
Base Loan$0
Up-Front MIP @ 1.75%$0
Total Loan (Financed UFMIP)$0
Monthly Principal & Interest$0
Monthly Taxes$0
Monthly Insurance$0
Monthly HOA$0
Monthly MIP @ 0.55%$0
Estimated Total Monthly Payment$0
Monthly MIP = (Annual MIP % × MIP Base ÷ 12). UFMIP is financed into the loan.

VA Mortgage Calculator

If blank, the calculator uses VA rules.

Results

Purchase Price$0
Down Payment$0
LTV0%
Base Loan$0
Funding Fee Rate0.00%
VA Funding Fee$0
Total Loan (If Financed)$0
Monthly Principal & Interest$0
Monthly Taxes$0
Monthly Insurance$0
Monthly HOA$0
Monthly Mortgage InsuranceN/A (VA)
Estimated Total Monthly Payment$0
VA loans have no monthly MI. Funding fee can be financed or paid at closing.

Affordability Calculator

Results

Maximum Affordable Price$0
Down Payment$0
Loan Amount$0
LTV0%
Binding Constraint—
Monthly Principal & Interest$0
Monthly Taxes$0
Monthly Insurance$0
Monthly HOA$0
Monthly PMI$0
Estimated Total Housing Payment$0
Solver picks the highest price with payment ≤ min(Front-End Cap, Back-End Cap − other debts).

Refinance Calculator

Current Loan

New Loan

Savings shown are P&I only (escrows usually unchanged). Break-even uses points + fees + other.

Results

Current P&I Payment$0
Current Escrow$0
Interest Remaining (est.)$0
New Loan Amount$0
New P&I Payment$0
New Escrow (assumed same)$0
Monthly P&I Savings$0
Total Closing Costs$0
Break-Even Point—
Interest Over New Term$0
Interest Difference vs. Current$0
Total Monthly (P&I + Escrow)$0

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Notice To Texas Loan Applicants: Consumers wishing to file a complaint against a mortgage banker, or a licensed mortgage banker residential mortgage loan originator, should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, TX 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov

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A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.sml.texas.gov