LoftCalc Mortgage Calculator

LoftCalc is a calm, complete mortgage calculator for US home buyers and owners. Know the number before you love the house. See your full monthly payment — principal, interest, property tax, insurance, PMI, and HOA — not just the loan payment. MAIN CALCULATOR • Home price, down payment, interest rate, term, and start date • Property tax, homeowners insurance, PMI, and HOA • Clear monthly breakdown and full amortization schedule • Save scenarios, share a summary, export PDF or CSV PLANNING TOOLS • Home affordability & debt-to-income (DTI) ratio calculator • Rent vs. buy comparison • Closing costs and cash to close • PMI and escrow breakdown • Refinance break-even • Extra payment, lump sum, and biweekly payoff simulator • Rental income tax estimator • BRRRR and flip profit • Rate buydown • Compare up to three loan offers side by side • Scenario comparison BUILT TO RESPECT YOU • No account required • Calculator inputs stay on your device • No subscription • Free LoftCalc is for planning and education only. Estimates are not a loan offer, approval, or financial advice. Your lender's figures may differ.