• Mortgage Calculator & Rates 1
  • Mortgage Calculator & Rates 2
  • Mortgage Calculator & Rates 3
  • Mortgage Calculator & Rates 4

Mortgage Calculator & Rates

Getting your dream home may be closer than you think. Use Zillow calculators to find out what you can afford and estimate your monthly mortgage payment. Gain control of the home finance process with live, customized mortgage rates from highly-rated lenders. Compare quotes and even get pre-approved for a loan.
Key Features

For home shoppers:
• Home affordability calculator estimates how much house you can afford.
• Mortgage payment calculator estimates your monthly payment and divides it into principal, interest, taxes and mortgage insurance.
• Mortgage rate comparisons show APR, fees, monthly payments and more from hundreds of lenders.
• Real-time, personalized mortgage rates based on your location help you lock in a loan on the go.
• Mortgage pre-approval demonstrates your credibility to real estate agents and sellers.
• Rate history makes it easy to come back and compare past rates with current quotes.
• “Call lender” function connects you to top lenders directly through the app.

For homeowners:
• Refinance calculator estimates your breakeven point and shows money savings over time.
• New HARP quoting provides custom refinance rates for underwater homeowners.

Why Zillow Mortgages?
• Top-notch lenders: Have peace of mind knowing Zillow conducts background checks and curates thousands of ratings and reviews from borrowers.
• Mortgage calculators: Estimate affordability and payments as your financial situation changes. Results are displayed in easy-to-understand charts, so you won’t get lost in the numbers.
• Transparency: Compare quotes and select the best offer based on rates, fees, monthly payment estimates and more.
• Easy and anonymous: Enter a few details about the purchase price, down payment, your income and credit score range to see your personalized options. No personal information required.

Category : House & Home

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Reviews (28)

Aki. B. Oct 28, 2020     

The other recent reviews are right. The app is slick and has the potential to be really useful but the refinance calculations are flat out wrong. Zillow, you got the UX down pat, but please find a freshman math economics intern and fix this. You can do better.

Ric. Oct 7, 2019     

Calculator is too simple and fails. Tried to calculate a refinance from 30 year to 15 year going from 3.375 interest rate to a 2.875 and said i would lose money in the long run assuming the extra I amount I paid each month was pure interest.

Dia. M. Sep 25, 2020     

Showed information I need for my affordibility to purchase real estate. With the breakdown it provided me with exactly what I needed to know. Thanks Zillow!

Sha. F. Jun 22, 2019     

decimal for interest rate input is on another screen, have to hit alternate key, hit decimal, then go back to number screen.... dumb design.

Jes. A. Sep 23, 2020     

Calculates wrong amounts. Becareful, not dependable at all. The marh is all wrong!!

A. G. u. Dec 3, 2018     

This app get auto updated to show ads despite settings was do not auto-update

Zde. F. Jan 11, 2020     

I just cannot get any detail from this app, such as detailed monthly amortization

Zoh. A. Jan 10, 2020     

Great simple easy to use... Thanks for not making it complex

Ter. R. Nov 12, 2019     

Can't make adjustments. Worthless to me. I needed va loan info. It could not provide.

Cal. B. May 26, 2020     

Warning: contains math errors. Entered $350,000 30yr loan at 3.5% and this App says P&I will be exactly $2500/ mo. This is an error of almost $1,000.

Tod. Aug 30, 2019     

Hard to slide the numbers across gor loan amount.

noj. Jan 27, 2021     

Zillow simply the best in the industry.

-. A. -. Oct 4, 2019     

Erroneous Calculations with agressive adware

Mic. C. Oct 13, 2020     

Best mortgage calculator app I've used!

Eli. D. Jul 8, 2019     

Rates and fees are rediculous. Go to a real lender and make sure you are taken care of.

Jep. C. Oct 2, 2021     

Not Zillow manipulating the housing market!!!

Kat. Y. Nov 23, 2019     

Wouldn't let me look at homes

Cin. C. S. May 29, 2019     

not what I expected

Kat. B. Feb 10, 2019     

The values for mortgage insurance is way high and several other values are way off. the affordability calculator versus the payment calculator do not give the same value for monthly payment even if all the info is the same. It also differs from telhe zillow mortgage website.

Rod. C. Jun 15, 2019     

nothing happened....

Alv. S. Sep 3, 2016     

You can enter the interest rate with their scroll bar which is not very precise, or for precision (e.g. 4.325) you need to use their keypad. THEIR KEYPAD HAS NO DECIMAL POINT. I uninstalled this app, very disappointing.

Jef. C. Jan 22, 2017     

This is pretty good but doesn't state if this is conventional or fha. It also doesn't consider pmi if you have a down-payment of less than 20% which could be a hundred or more per month depending on loan size.

Chr. W. Aug 25, 2018     

I like the app, it every time I try to check mortgage rates, it tells me it had trouble connecting to the network of lenders, so I cannot check current rates

Del. N. Aug 21, 2017     

No apparent way to enter down payment in absolute dollars rather than as a percentage of the house price, which is just lazy/careless app development. Not to mention annoying.

Las. H. May 22, 2017     

It shuts down every now and again but overall, I love this app. I use it everyday to estimate payments and it's very accurate

jum. j. Jul 9, 2018     

Doesn't work. I used to love this app, now it wony pull up anything waste of time

Sco. H. Apr 26, 2016     

Still needs some refining. It seems a little slow, but hey it is free

Mat. L. Jan 24, 2018     

This app is great. I'm a real estate broker and I use this app all the time to estimate mortgage payments and compare financing options. I've successfully financed three of my own transactions through a national lender I found using the app. The mortgage rates and terms were unmatched by local lenders. The closing on each deal occurred flawlessly and without any last minute issues.