Why Us Community Cost Calculator 🏦 Mortgage Calculator 📋 Apply for Permit Why FreePermitApp? →
🏠 Free Mortgage Calculator

What's your monthly payment?

3 fields. Instant estimate. No credit check — just math. Then see what rates you actually qualify for.

No signup required No credit pull Results in seconds
Your Mortgage Estimate
Enter your numbers below — we'll do the math instantly.
$
$
Your Estimated Monthly Payment
$2,129 /mo

Principal & interest only — your actual payment may include taxes + insurance

Home price $400,000
Down payment $80,000 (20%)
Loan amount $320,000
Est. rate (30yr fixed) 7.0%
Monthly P&I $2,129
⚠️ This is an estimate based on today's approximate market rates. Your actual rate depends on your credit score, income, and lender. See your real personalized rates below.
Ready for your real rate?
Get pre-qualified in 60 seconds
No credit pull. Fill out our free Form 1003 auto-filler and see what you actually qualify for — then bring it to any lender.
See My Real Rates →
or check your DTI ratio first
🔒 No credit check required
⚡ Instant results
📋 Bring to any lender
🆓 100% free
✦ For Mortgage Applicants

Know Your Score Before You Apply

Lenders pull your credit the moment you apply. Check yours first — free, with no impact to your score.

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How It Works

From estimate to pre-qualified in minutes

FreePermitApp helps homeowners understand their financing options before they commit to a renovation or purchase.

1
Calculate your estimate
Enter home price, down payment, and ZIP. Get an instant P&I estimate based on today's average rates.
2
Fill your Form 1003
Our plain-language wizard walks you through Fannie Mae Form 1003 — the universal mortgage application. Takes about 10 minutes.
3
Bring it to any lender
Download your completed application and share with any lender — banks, credit unions, brokers. You own your data.
12,000+
Homeowners who've used our tools
10 min
Average time to complete Form 1003
$0
Cost — completely free, always
Loan Types We Support

Which loan is right for you?

Our Form 1003 supports all major loan types. Use the calculator above to estimate payments for each.

🏠
Purchase Loan
Buying a new home? Estimate your payment and qualify for conventional, FHA, VA, or USDA financing.
🔧
Cash-Out Refinance
Tap your home equity to fund renovations. Great for kitchen remodels, additions, or major repairs.
💰
Home Equity Loan
Borrow against your equity at a fixed rate. Predictable payments, no surprises.
🏗️
Construction Loan
Building new or adding an ADU? Construction loans cover builds and convert to permanent financing.

Ready to see your real rate?

The calculator gives you an estimate. The Form 1003 gives you a real application you can take to any lender — no obligation, no credit check to start.

Start Free Application →
10 minutes · No credit pull · Bring to any lender