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Compare Two Mortgage Offers

Put two loan offers side by side: rate, term, points and fees. See the monthly payment of each, the total paid over the years you expect to keep the loan, and which one costs less.

  • Free, no sign-up
  • Formula shown
  • 2 minutes
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Compare Two Mortgage Offers: Two loans side by side: monthly payment, fees and total cost over the years you keep it.
Compare Two Mortgage Offers

Your numbers

Example figures are filled in. Replace them with yours.

Your result

Show the formula
Go deeper with Mortgage Affordability & Comparison Calculator: every line, a filled example and charts.

Educational only. Arithmetic on the numbers you enter, not a quote or advice. Rules and costs differ by country and state; check your local rules.

Made for this step

The tools that go further

Picked for what this calculator works out. Each one starts with a filled example.

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The Home Buyer Bundle

The Home Buyer Bundle

Budget, view, offer and close with the numbers and the steps in front of you.

  • The Offer Playbook
  • Accepted Offer Doesn't Always Mean the Deal Is Final
  • The First-Time Buyer's Closing Kit
  • Mortgage Affordability & Comparison Calculator
  • + 2 more tools
$47 $117 separatelySee the bundle
How it works

Three steps, two minutes

  1. 1Enter your numbers

    Replace the example figures with yours. The result updates as you type.

  2. 2Read the result

    The big number first, then the breakdown and the formula.

  3. 3Take the next step

    Use the guide and the spreadsheet below to act on the number.

What your result means

Compare Two Mortgage Offers, in plain words

A lower rate with high fees can cost more if you sell or refinance early. Compare on the years you really expect to keep the loan, and use the official Loan Estimate or offer letter figures.

The Home Buyer Bundle · $47

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Questions

About this tool

Is this calculator free?

Yes. No sign-up, no email, and nothing you type leaves your browser.

Is the result advice?

No. It is arithmetic on the numbers you enter. Rules, rates and costs differ by country and state, so confirm figures with a licensed professional.

Can I see the formula?

Yes. The formula sits under every result so you can check it or redo it by hand.

Not sure where to start?

Tell us what is happening and we will point you to one tool, one guide and one bundle.

Buy a homeFrom saving to keys, with every cost and step clear.Sell my homePrice it right, prepare it well and know what you walk away with.Rent a homeFind it, read the lease, protect your deposit.Invest or hostRun the numbers before you buy, then run the rental well.Own, move or a life changeUpkeep, renovations, moving, separation or an inherited home.I am an agentClient-ready templates, trackers and slides.

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