Free Tools
Mortgage Calculators for Memphis & North Mississippi
Estimate monthly payments, affordability, refinance savings, seller net proceeds, and Tennessee recording taxes. Built for buyers, sellers, and Realtors® to use on the go.
Mortgage Payment Calculator
Estimate your full monthly payment (PITI + HOA).
| Principal & interest | |
| Property tax | |
| Insurance | |
| PMI | |
| HOA | |
| Loan amount |
Home Affordability Calculator
See a price range based on common debt-to-income guidelines.
| Max monthly housing payment | |
| Estimated loan amount |
Refinance Break-Even Calculator
How long until a refinance pays for itself?
| Current P&I | |
| New P&I | |
| Monthly savings |
Seller Net Proceeds Estimator
Rough estimate of what a seller walks away with.
| Commission | |
| TN transfer tax | |
| Payoff + concessions + other |
Tennessee Transfer & Mortgage Tax
Based on Tennessee’s statutory recordation tax rates.
| Transfer tax ($0.37 / $100) | |
| Mortgage tax ($0.115 / $100 over $2,000) |
These calculators provide estimates for educational purposes only and are not a loan offer, Loan Estimate, or settlement statement. Rates, taxes, insurance, PMI, and fees vary. Contact your lender for loan terms and Sure Title for an official closing cost estimate.
How to use these calculators
For buyers
Start with the affordability calculator to find a comfortable price range, then plug that price into the payment calculator with real tax and insurance quotes. Remember to budget for closing costs and moving expenses.
For sellers
The seller net estimator gives a quick snapshot. For an accurate net sheet with title premiums, prorations, and recording fees, ask Sure Title — it’s free.
For Realtors®
Bookmark this page on your phone for listing appointments and buyer consults, or share it with clients. Need a branded net sheet? Email orders@suretitleco.com.
Want an official estimate?
Request a free buyer estimate or seller net sheet from our Memphis team.