Disclaimer
Please read this before relying on any result from this site.
Estimates for education only
Every figure produced by Crunch My Mortgage is an estimate for educational purposes. Results depend entirely on the numbers you enter and on the simplifying assumptions explained on each calculator page. Small differences in rounding, fees, escrow, timing and lender practice can change real-world figures.
Not a loan offer or a rate quote
Nothing on this site is an offer to lend, a commitment, a pre-qualification, a pre-approval or a quote of any interest rate, fee or term. Default values in the calculators are placeholders, not market rates or typical costs.
Not financial advice
Crunch My Mortgage does not provide financial, investment, tax or legal advice and does not recommend any loan, lender or course of action. The explanations describe how the math works and what trade-offs exist; they are not a recommendation for your situation. Consider speaking with a lender, a HUD-approved housing counselor, a tax professional or a licensed financial adviser.
Actual terms come from a lender
Your actual rate, payment, mortgage insurance, closing costs and eligibility are determined by a lender, based on your application, credit, property and the loan program. The Loan Estimate and Closing Disclosure you receive from your lender are the documents to rely on.
Government fee tables
The FHA mortgage insurance and VA funding fee calculators use published government figures. Each of those pages links to its official source and shows when the figures were last verified. Government programs change; always confirm current figures with the agency or your lender.
What this site does not do
Crunch My Mortgage does not take loan applications, quote rates, collect leads or sell visitor information, and no lender pays to be featured. Advertisements are provided by third parties and are not endorsements.