Fannie Mae Mortgage Calculator vs Zillow Mortgage Calculator

• Fannie Mae Mortgage Calculator fits best

  Integrated payment, affordability and refinance analysis

• Zillow Mortgage Calculator fits best

  U.S. buyers comparing fixed and ARM loans

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Side by side

Strengths and trade-offs

• Fannie Mae Mortgage Calculator — where it wins

  • Breaks payments into principal, interest, taxes, insurance and HOA fees
  • Advanced View lets users adjust taxes, homeowners insurance and HOA fees
  • Separate calculators estimate affordability and potential refinance savings

  Where it doesn't

  • Affordability and refinance are separate tools, not calculator modes
  • Estimates do not indicate mortgage approval or financing
  • Amortization schedules and adjustable-rate mortgage modeling are not documented

• Zillow Mortgage Calculator — where it wins

  • Compares 30-year fixed, 15-year fixed and 5-year ARM scenarios
  • Breaks estimates into payment components and a schedule
  • Includes taxes, homeowners insurance, PMI and HOA costs

  Where it doesn't

  • Does not provide affordability analysis in this calculator
  • Does not include refinance scenarios in this calculator
  • Estimates depend on the loan and cost inputs entered

• FMFannie Mae Mortgage Calculator9.2/10 · Free plan

  A free web calculator with payment breakdowns plus separate affordability and refinance tools.

  Visit Fannie MaeFull verdict →
• ZMZillow Mortgage Calculator8.8/10 · Free plan

  A free web calculator for comparing fixed-rate and ARM mortgage payment estimates.

  Visit ZillowFull verdict →