Mortgage Calculator · NuVision Lending

Refinance

Adjust the sliders or type exact values. Your results update live to the right.

Current loan

Loan balance$520,000

Current rate7.250%

Time remaining28 yrs 0 mo

yrs

Escrow (taxes + insurance)$650/mo

$/mo

New loan

New rate6.000%

New term30 yrs

yrs

Closing costs (rolled in)$6,500

Apply your savings

Smart moves that change the math — layer them however you'd actually use the savings.

Apply skipped payments at closing

When you refi, you typically skip 1–2 mortgage payments. Apply that cash to principal.

Keep paying your current payment

Apply your old payment to the new loan. Savings go straight to principal each month.

Extra monthly principal

An additional fixed amount above your payment, every month.

Shorter loan term

Force a shorter payoff (e.g. 20 or 15 yrs). Monthly goes up; lifetime interest drops.

yrs

Save this scenario

Print a clean copy or use your browser's "Save as PDF" in the print dialog.

Estimates only. Principal & interest plus escrow as entered — no PMI, HOA, or extra fees. Real numbers depend on credit, property type, and program. Use this as a starting point, not a quote.

Monthly savings

$427 / mo

Lower monthly payment compared to your current loan, before applying any of your savings.

New payoff date

23 yrs 4 mo

Lifetime interest saved

$184,200

Return on closing costs

28× in savings

Current

New (base)

With togglesOPTIMIZED

Monthly P&I

$3,547

$3,120

$3,547

Rate

7.250%

6.000%

Term

28 yrs

30 yrs

23 yr 4 mo

Loan balance

$520,000

$526,500

$518,100

Lifetime interest

$671,000

$599,600

$486,800

Time to break even

—

14 mo

<1 mo

Balance over the next 30 years

How fast you actually pay down the loan under each scenario.

Current New (base) Optimized

Sliders show the math. We'll show you the structure. Let's run real rate quotes against your file.

Get started

Purchase

Real monthly payment, all-in, before you write an offer.

Property

Purchase price$650,000

Down payment

Down %

Loan

Loan type

Interest rate6.500%

Loan term30 yrs

yrs

Buy-down

Other monthly costs

Property tax

$ /mo

Insurance

$ /mo

HOA dues

$ /mo

PMI (auto)

$ /mo

Debt-to-income check

Lenders compare housing & total debts against income. We'll grade where you land.

Gross monthly income

$ /mo

Other monthly debts

$ /mo

Include credit cards (min payment), car loans, student loans, alimony, and child support. Exclude utilities and insurance.

Save this scenario

Print a clean copy or use your browser's "Save as PDF" in the print dialog.

Estimates only. Mortgage insurance (PMI/MIP) is auto-applied when down payment is below 20% on conventional, or built in for FHA. MI rates are estimates based on a 760+ FICO score; your actual MI may be higher or lower depending on credit, LTV, occupancy, and loan program. Real numbers depend on credit, property, and program.

Total monthly payment

$4,124 / mo

Principal & interest, property tax, insurance, PMI, and HOA — your full PITI.

Loan amount

$520,000

Cash to close (est.)

$144,000

Lifetime interest

$663,000

Where your payment goes

$4,124 / mo

Principal & interest

$3,288

Property tax

$676

Insurance

$160

Mortgage ins.

HOA

Debt-to-income

Live ratio at your income

Where you sit, plus a rough sense of whether you're in good shape.

Back-end DTI (housing + all monthly debts)

Total monthly debt obligations divided by gross monthly income.

Numbers look reasonable? Let's get you pre-approved. A pre-approval gives you a real letter to shop with.

Start application

Refinance & purchase scenarios.

Refinance

Purchase