Navy Federal Homecenter

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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.

Interactive calculators are available as a self-help tool. We cannot and do not guarantee their applicability or accuracy with regard to your individual circumstances.

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.

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 $

calc_iconDiscount Points Calculate

Points are a one-time charge by a lender to lower a loan's interest rate, with each point amounting to 1% of the loan amount. See how paying points can lower your monthly payment.