HMCO mortgage calculators

Turn mortgage questions into useful estimates.

Explore payments, buying power, refinance timing, equity and payoff scenarios. Then review the assumptions with an HMCO Loan Officer before making a decision.

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A family using a laptop to plan for a home

Current national 30-year average6.65%As of Aug 20, 2026

Freddie Mac market survey average. Not an HMCO offered rate.

Nine planning toolsOne clearer starting point.

Buying Refinancing Home equity Planning

Choose a calculator

Start with the decision you are trying to make.

Each calculator keeps its assumptions visible and separates market context from any HMCO rate, approval or loan offer.

Buying5 tools

Buying

Monthly payment

Build a more complete monthly estimate with principal, interest, taxes, insurance, mortgage insurance and HOA dues.

Open calculator Buying

Affordability

Use income, monthly debt, down payment and housing assumptions to explore a possible purchase-price range.

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VA mortgage

Estimate a VA payment and see how a selected funding-fee assumption may affect the financed loan amount.

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Down payment

Estimate the potential down payment, loan amount, closing costs and reserves associated with a home purchase.

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Rent vs. buy

Compare estimated renting and buying costs over time using assumptions for rent growth, appreciation, maintenance and selling costs.

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Refinancing1 tool

Refinancing

Refinance

Compare current and potential new payments, closing costs, break-even time and estimated lifetime interest.

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Home equity1 tool

Home equity

Estimate current equity and the amount that may remain available under a selected combined loan-to-value assumption.

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Planning2 tools

Planning

Amortization

See how principal and interest change over time and estimate the effect of recurring extra principal payments.

Open calculator Planning

Mortgage payoff

See how a recurring extra principal payment may reduce the estimated payoff time and total interest.

Open calculator

What calculators can—and cannot—do

Useful for planning. Not a substitute for underwriting.

Mortgage eligibility and final costs depend on much more than a formula. Credit, income, assets, occupancy, property type, appraisal, insurance, program rules and lender requirements all matter.

Request a personalized review

Change one assumption at a time.

See which inputs have the greatest effect instead of treating one result as certain.

Include the costs people forget.

Taxes, insurance, mortgage insurance, HOA dues and closing costs can materially change the picture.

Compare the result with your comfort level.

An amount that may qualify is not automatically the amount that fits your personal budget.