Navy Federal Homecenter

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Calculations

By doing the math ahead of time, you'll get an idea of what your mortgage interest rate might be and how it affects home affordability, monthly payments, and getting the best loan for your situation.

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

calc_iconMonthly Payment Calculate

Find out what monthly payment you can afford based on your current income and expenses.

Monthly Income: $
after taxes and deductions
Remaining Funds: $

calc_iconHome Price Affordability Calculate

Calculate your ideal mortgage loan amount based on the monthly payment you can afford.

Home price:
Loan Amount:
*Monthly Payment:
*Estimate based on interest rate of %

calc_iconDebt-to-Income (DTI) Ratio Calculate

Calculate the percentage of debt you have compared to your income. This ratio factors into how much you can borrow.

Debt-to-income (DTI) ratio reflects how much of your gross monthly income is used toward your monthly debt payments.

My DTI:
Spouse's DTI:
Combined DTI

calc_iconFixed Rate vs. Adjustable Rate Calculate

Both loan types have their advantages. Calculate how each affects your monthly payment.

Years 1– at % interest $
Years at up to % interest up to $

Years 1– at % interest $