Apply Now
Schedule Call

Loan Calculators: Calculate Payments for 64+ Mortgage Programs and Financing Scenarios

Instant Estimates for Every Loan Type—Purchase, Refinance, and Cash-Out Options

Understanding your potential monthly payment, closing costs, and long-term expenses before committing to a mortgage gives you the power to make informed decisions and negotiate with confidence.

Stairway Mortgage provides free, accurate calculators for every loan program we offer—from FHA and VA loans to specialized programs for self-employed borrowers, real estate investors, seniors, Native Americans, and foreign nationals.

Why Choose Stairway Mortgage:

Stairway Mortgage is a division of NEXA Mortgage LLC, the #1 mortgage broker in the United States measured by the number of licensed loan officers nationwide and access to over 300 direct lenders, banks, and private capital sources. This network allows us to compare hundreds of funding options in real-time to secure the most competitive rate and terms for your specific scenario.

Our calculators help you:

  • Estimate monthly principal, interest, taxes, and insurance (PITI)
  • Compare different loan programs side-by-side
  • Understand how down payment affects monthly costs
  • Calculate potential savings from refinancing
  • Determine how much home you can afford

Government-Backed Loan Calculators

FHA Loan Calculators

VA Loan Calculators

USDA Loan Calculators

Section 184 Loan Calculators

Conventional Loan Calculators

Standard Conventional

Renovation & Construction

Jumbo Loan Calculators

Self-Employed & Investment Property Calculators

DSCR Loan Calculators

Bank Statement Loan Calculators

1099 Loan Calculators

Asset-Based Loan Calculators

Specialty Loan Calculators

Foreign National & ITIN Calculators

Reverse Mortgage Calculators

Home Equity Calculators

Bridge & Specialty Calculators

Down Payment Assistance & Home Improvement Calculators

How to Use These Calculators Effectively

For Purchase Calculations:

  1. Enter the home price you’re considering
  2. Input your down payment amount or percentage
  3. Add estimated property taxes for your area (typically 1-2% of home value annually)
  4. Include homeowners insurance (typically $1,000-$2,000 annually)
  5. Add HOA fees if applicable
  6. Review your total monthly payment including PITI

For Refinance Calculations:

  1. Enter your current loan balance
  2. Input your current interest rate
  3. Add the new interest rate you’re considering
  4. Include closing costs (typically 2-5% of loan amount)
  5. Calculate your break-even point (when savings exceed closing costs)
  6. Review monthly savings and long-term benefit

For Cash-Out Refinance:

  1. Enter your home’s current value
  2. Input your current loan balance
  3. Determine cash needed for your specific purpose
  4. Calculate new loan amount (current balance + cash out + closing costs)
  5. Review new monthly payment compared to current payment
  6. Evaluate if cash-out makes financial sense

Understanding Calculator Results

Principal & Interest: The portion of your payment going toward the loan itself

Property Taxes: Annual property taxes divided by 12 months (varies by location)

Homeowners Insurance: Annual insurance premium divided by 12 months

Mortgage Insurance: PMI (conventional) or MIP (FHA) when down payment is less than 20%

HOA Fees: Monthly homeowners association dues (if applicable)

Total Monthly Payment: Combined PITI + mortgage insurance + HOA

Next Steps After Calculating

Compare Multiple Scenarios

Use different calculators to compare:

  • FHA vs. Conventional vs. VA loan payments
  • Different down payment amounts (3.5% vs. 5% vs. 10% vs. 20%)
  • 15-year vs. 30-year loan terms
  • Current rate vs. potential refinance rate

Review Loan Program Details

After calculating estimates:

  1. Visit the specific loan program page for qualification requirements
  2. Review case studies showing real borrower experiences
  3. Contact Stairway Mortgage for personalized rate quotes and pre-approval

Get Pre-Approved

Ready to move forward?

Important Notes

  • Calculator results are estimates only – Actual payments may vary based on your specific situation
  • Interest rates change daily – Contact us for current rate quotes
  • Additional costs may apply – Closing costs, prepaid items, and reserves can affect cash needed
  • Tax deductions – Consult with a tax advisor about potential mortgage interest deductions
  • We shop 300+ lenders – Our access to hundreds of funding sources means better rates for you

Ready to move forward? Use these calculators to explore your options, then contact Stairway Mortgage for personalized guidance and official pre-approval.

Schedule a call |
Apply now |
View loan programs

Scroll to Top