Fannie Mae Mortgage Calculator

Free#3 of 34 in Mortgage Calculator Apps

Fannie Mae Mortgage Calculator: A free web calculator with payment breakdowns plus separate affordability and refinance tools. Ranked #3 of 34 in Mortgage Calculator Apps by our editors (9.2/10); pricing: Free plan; best for integrated payment, affordability and refinance analysis.

9.2/10Editor score

Visit Fannie Mae

Fannie Mae Mortgage Calculator9.2 Visit Fannie Mae

At a glance

Editor score
9.2 / 10
Pricing
Free plan
Best for
Integrated payment, affordability and refinance analysis
Free plan
Yes
Paid from
Free
Founded
1938 · Washington, DC
Facts checked
14 Nov 2026

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

Our verdict on Fannie Mae Mortgage Calculator

Fannie Mae Mortgage Calculator is a free web tool for people estimating the costs of a home purchase. Enter a purchase price, down payment, loan term and interest rate to estimate a monthly payment. The result breaks out principal and interest, property taxes, homeowners and mortgage insurance, and HOA or condo fees. It is suited to prospective buyers who want a cost overview, rather than a loan decision: estimates are informational and do not indicate approval or financing.

The payment breakdown is the calculator’s most useful detail. Advanced View allows adjustments to property taxes, homeowners insurance, and HOA or condo fees, helping users explore how those costs affect the estimate. Mortgage insurance also appears in the breakdown. For a broader purchase budget, Fannie Mae offers a separate affordability calculator that estimates a maximum home price using income, debts, down payment and interest rate. These tools support related questions, but affordability analysis is not a mode within the mortgage calculator itself.

A separate refinance calculator estimates new payments and potential monthly and annual savings, making the set useful for both purchase planning and refinance comparisons. The tools are web-based, with no paid tier to compare. The published functionality focuses on estimates and cost inputs; amortization schedules and adjustable-rate mortgage modeling are not documented. Choose this calculator if you want a free payment breakdown alongside separate affordability and refinance estimates. Look elsewhere if your decision depends on those specific modeling features or requires an indication of financing approval.

Your product? Our editors can test Fannie Mae Mortgage Calculator in depth and publish a review, labelled as paid · from $149/mo →

Fannie Mae Mortgage Calculator pricing

Plans Free planFree Free to use — no paid tier required for the core job.

See plans on yourhome.fanniemae.com

Fannie Mae Mortgage Calculator fact sheet

Free plan	Yes
Paid from	Free
Amortization schedule	Not verified
Affordability analysis	Yes
Refinance scenarios	Yes
ARM calculations	Not verified
Property-tax inputs	Yes
Insurance inputs	Yes
Platform access	Web
Deployment	Cloud
Platforms	Web
Built for	Solo (editorial estimate)
Pricing	Free plan
Website	yourhome.fanniemae.com
Facts checked	14 Nov 2026

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Fannie Mae Mortgage Calculator vs the competition

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Reviewed by iTechGuides Editors · Editorial team · Updated Nov 2026

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Last updated 14 Nov 2026 · How we research and update