Tools
Mortgage Calculators

Crunch the numbers.
Know where you stand.

Two free calculators to help you plan: estimate your monthly payment on a purchase, or see how much extra principal payments can save you on a refinance. For personalized numbers based on your exact situation, reach out to Adam.

Purchase Calculator

Estimate your monthly mortgage payment for a home purchase. Adjust your extra principal payments and time horizon to see the true savings.

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Paying even a small amount extra each month can save thousands in interest and pay off your loan years sooner.

1 yr 30 years 30 yrs

This calculator provides estimates only. Actual payments vary based on property taxes, homeowner’s insurance, HOA fees, and other factors. For an accurate quote, contact Adam.

Estimated Monthly Payment
$ 2,105
Principal & interest only. Does not include taxes, insurance, or PMI.
Loan Amount
$320,000
Total Interest
$437,844
Total Cost
$757,844
Interest Saved (within time horizon)
$0

$0 over the full loan term

Loan Shortened By
0 years, 0 months

Payoff date moved forward

Payment Breakdown
Year 1 — Month 1
Principal 42% $884
Interest 58% $1,221
Year 1 Year 1 Year 30
At a Glance
Down Payment $80,000
Down Payment % 20%
Monthly P&I $2,105
Number of Payments 360

Refinance Calculator

Already have a mortgage? See how making extra principal payments shortens your loan and saves you money — both over the full term and within your expected ownership window.

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Even $100 extra each month can shave years off your mortgage and save thousands in interest.

1 yr 10 years 30 yrs

This calculator provides estimates only. Your actual savings depend on your specific loan terms, interest rate, and payment history. For a personalized refinance analysis, contact Adam.

Current Monthly Payment
$ 2,026
Principal & interest only. With extra payments, your effective monthly outlay is higher but you pay off faster.
Interest Saved (within time horizon)
$14,832

$63,450 over the full loan term

Loan Shortened By
8 years, 3 months

New payoff date moved forward

Remaining Balance
$300,000
Total Interest (life)
$429,607
Total Cost (life)
$729,607
Payment Breakdown
Year 1 — Month 1
Principal 15% $246
Interest 85% $1,780
Year 1 Year 1 Year 30
Get Personalized Numbers

Ready for a real quote
tailored to you?

These calculators give you helpful estimates, but every borrower’s situation is different. Interest rates, loan programs, down payment assistance, and closing costs all vary. Let me walk you through your real numbers — and explain them on video so you fully understand before you commit.

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