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PLAN YOUR NEXT MOVE
Mortgage Loan Comparison Calculator
Compare loan offers side by side. Use the amounts on your lender’s quotes to see how payment, upfront cash and lifetime interest change between two choices.
Make the numbers yours.
Replace the examples with your own figures. Estimates update when you select Calculate.
All figures are examples until replaced with lender quotes. No credit score, qualification decision or live mortgage rate is inferred.
Your estimate
Planning estimate only. Not a loan offer, approval, appraisal or settlement statement. Review your figures with the appropriate lender or closing professional.
UNDERSTAND YOUR RESULTS
How this calculator works
Each scenario includes first-loan principal and interest, entered mortgage insurance, taxes, insurance and HOA costs. An 80/20 structure finances 80% on the first loan and 20% on a second fully amortizing loan; both payments and interest are included. Enter FHA or VA financed fees and monthly premiums from a lender quote. Program labels do not determine eligibility or automatically set fees.
Learn more: CFPB Loan Estimate guide
Does the lowest payment mean the cheapest loan?
Not necessarily. A longer term may lower payments while increasing total interest. Compare upfront charges, the time you expect to keep the loan and official Loan Estimates.
Can this model an adjustable-rate or deferred second loan?
No. Both loans are modeled as fixed-rate and fully amortizing. Balloon, interest-only, deferred and adjustable-rate products need a separate lender analysis.