Star Financial — Direct Mortgage Lender
Mortgage Calculators

Estimate Your Payment, Savings, and Home Buying Power

Use Star Financial's mortgage calculators to estimate monthly payments, refinance savings, affordability, and cash-out options before applying.

Home Purchase Payment Calculator

Estimate your full monthly payment including taxes, insurance, HOA, and mortgage insurance.

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Estimated Results
Estimated Monthly Payment$3,153
Principal & Interest$2,528.27
Taxes$500.00
Insurance$125.00
HOA$0.00
PMI / MIP$0.00
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Refinance Savings Calculator

See how a new rate and term may change your payment and what you could save over time.

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Estimated Results
New Estimated Payment$2,155.01
Monthly Savings$444.99
Break-Even Point14 months
Total Interest Difference-$7,544
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Affordability Calculator

Estimate the purchase price range you may qualify for based on income and debts.

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Estimated Results
Estimated Purchase Price Range$435,969 – $473,880
Estimated Loan Amount$413,880
Estimated Monthly Payment$3,270.00
DTI Ratio43.0%
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Cash-Out Refinance Calculator

Estimate how much equity you may be able to access and your new payment.

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Estimated Results
Estimated Cash Available$120,000
New Estimated Payment$2,724.11
Estimated Loan-to-Value70.0%
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FHA Payment Calculator

Estimate an FHA payment including upfront and monthly mortgage insurance premiums.

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Estimated Results
Estimated FHA Payment$3,558
Upfront MIP Estimate$7,599
Monthly MIP Estimate$199.03
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Ready to turn estimates into a real number?

Get a personalized pre-approval from a licensed Star Financial loan officer.

(888) 671-7885

Calculator results are estimates only and are not a loan approval, rate quote, or commitment to lend. Actual payment, rate, fees, taxes, insurance, and qualification may vary based on credit profile, property type, loan program, occupancy, income, debts, and underwriting requirements.