Huntington Bank Mortgage Rate Calculators


Huntington Bank Online Banking » Huntington Bank Mortgage Rate Calculators

Huntington Bank home buying calculators can help users estimate the costs of buying a home and make other mortgage-related financial decisions. Huntington Bank’s online mortgage center is located at this page.

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Rates

You can get a personalized rate estimate by going to this page and then selecting whether you are trying to refinance or to purchase a home.

Calculators

How to Calculate

hmort1

How much?

This estimates how large of a loan customers could qualify for. To calculate, enter:

  • Monthly Income
    • Wages before taxes or deductions
    • Investment income before taxes
    • Income from rental properties
    • Other income
  • Monthly Payments
    • Auto loans
    • Student loans
    • Rental property loans
    • Other payments
  • Other Debts
    • Monthly alimony, child support or other
    • Monthly credit card payments
  • Loan Terms You Desire
    • Interest rate
    • Term (years)
    • Down payment
  • Taxes and Insurance You Expect
    • Yearly property tax
    • Yearly property insurance

Hit ‘Get Results’ to calculate.

This calculates your approximate monthly payment for a fixed rate mortgage. To calculate, enter:

  • Loan amount
  • Appraised value
  • Term (years)
  • Interest rate
  • Yearly property tax
  • Yearly property insurance

Hit ‘Get Results’ to calculate.

This calculates your approximate monthly payment for an adjustable rate mortgage. To calculate, enter:

Adjustable rate payments

Adjustable rate payments

  • Loan amount
  • Appraised value
  • Term (years)
  • Yearly property tax
  • Yearly property insurance
  • Your state and federal tax rate
  • Months before first adjustment
  • Initial interest rate
  • Months between rate adjustments
  • Maximum rate adjustment
  • Minimum rate
  • Maximum rate
  • Margin
  • Index rate
  • Months between index adjustments
  • Index rate change per adjustment
  • Predicted change in rates

Hit ‘Get Results’ to calculate.

This helps determine whether it makes more financial sense to opt for an adjustable or fixed rate mortgage. To calculate, enter:

Adjustable or fixed

Adjustable or fixed

  • Fixed Rate
    • Loan amount
    • Term (years)
    • Origination charge
    • Charge for specific interest rate
    • Other settlement costs
  • Adjustable
    • Loan amount
    • Term (years)
    • Origination charge
    • Charge for specific interest rate
    • Other settlement costs
  • Your state and federal tax rate
  • Purchase price
  • Yearly property tax
  • Yearly property insurance
  • Years before you sell or pay off loan
  • Your savings rate
  • Regarding the Adjustable Rate Mortgage:
    • Months before first adjustment
    • Initial interest rate
    • Months between rate adjustments
    • Maximum rate adjustment
    • Minimum rate
    • Maximum rate
    • Margin
    • Index rate
    • Months between index adjustments
    • Index rate change per adjustment
    • Predicted change in rates

Hit ‘Get Results’ to calculate.

This helps calculate whether customers would save money by buying mortgage points. To calculate, enter:

Points

Points

  • Less Points
    • Loan amount
    • Term (years)
    • Origination charge
    • Charge for specific interest rate
    • Other settlement costs
  • More points
    • Loan amount
    • Term (years)
    • Origination charge
    • Charge for specific interest rate
    • Other settlement costs
  • Your state and federal tax rate
  • Purchase price
  • Yearly property tax
  • Yearly property insurance
  • Years before you sell or pay off loan
  • Your savings rate
  • If the Mortgage is Adjustable Rate:
    • Months before first adjustment
    • Initial interest rate
    • Months between rate adjustments
    • Maximum rate adjustment
    • Minimum rate
    • Maximum rate
    • Margin
    • Index rate
    • Months between index adjustments
    • Index rate change per adjustment
    • Predicted change in rates

Hit ‘Get Results’ to calculate.

This calculates the difference in total costs between a 15 and 30 year mortgage. To calculate, enter:

15 or 30

15 or 30

  • Shorter Term
    • Loan amount
    • Term (years)
    • Origination charge
    • Charge for specific interest rate
    • Other settlement costs
  • Longer Term
    • Loan amount
    • Term (years)
    • Origination charge
    • Charge for specific interest rate
    • Other settlement costs
  • Your state and federal tax rate
  • Purchase price
  • Yearly property tax
  • Yearly property insurance
  • Years before you sell or pay off loan
  • Your savings rate

Hit ‘Get Results’ to calculate.

This calculator demonstrates how much it will cost long term to pay a smaller down payment. To calculate, enter:

Down payment

Down payment

  • Less Down
    • Loan amount
    • Term (years)
    • Origination charge
    • Charge for specific interest rate
    • Other settlement costs
  • More Down
    • Loan amount
    • Term (years)
    • Origination charge
    • Charge for specific interest rate
    • Other settlement costs
  • Your state and federal tax rate
  • Purchase price
  • Yearly property tax
  • Yearly property insurance
  • Years before you sell or pay off loan
  • Your savings rate

Hit ‘Get Results’ to calculate.

This calculator helps determine how much money users could save on property taxes. To calculate, enter:

Taxes

Taxes

  • Loan amount
  • Term (years)
  • Interest rate
  • Origination charge
  • Charge for the specific rate
  • Other settlement services
  • Your state and federal tax rate
  • Appraised value
  • Yearly property tax
  • Yearly property insurance

Hit ‘Get Results’ to calculate.

This calculator estimates how much customers will have to pay to close the deal on their home. To calculate, enter:

  • Purchase price

    Closing costs

    Closing costs

  • Loan amount
  • Term (years)
  • Interest rate
  • Origination charge
  • Charge for specific interest rate
  • Required services selected by the lender:
    • Appraisal
    • Credit report
    • Flood certification
    • Tax service
    • Title services and lender’s title insurance
    • Owner’s title insurance
    • Government recording charges
    • Transfer taxes
  • Required services you can shop for:
    • Survey
    • Pest inspection
  • Yearly property tax
  • Yearly insurance

Hit ‘Get Results’ to calculate.

This calculator helps determine whether it makes more financial sense for users to buy a home or continue renting. To calculate, enter:

Renting

Renting

  • Monthly rent
  • Monthly renter’s insurance
  • Yearly rent increase
  • Purchase price
  • Appreciation rate
  • Your savings rate
  • Your state and federal tax rate
  • Years before sell/pay off loan
  • Loan amount
  • Term (years)
  • Origination charge
  • Charge for specific interest rate
  • Other settlement services
  • Yearly property tax
  • Yearly maintenance
  • Yearly property insurance
  • Selling costs

Hit ‘Get Results’ to calculate.

This calculator helps determine whether customers could benefit from refinancing. To calculate, enter:

Refinancing

Refinancing

  • Regarding your current loan:
    • Original loan amount
    • Original term (years)
    • Years already paid
    • Balloon year (zero if none)
    • Interest rate
  • Regarding your new loan:
    • Term (years)
    • Balloon year (zero if none)
    • Origination charge
    • Charge for specific interest rate
    • Other settlement services
    • Interest rate
  • Regarding you property
    • Appraised value
    • Yearly property tax
    • Yearly property insurance
  • Regarding yourself
    • Your savings rate
    • Your state and federal tax rate
    • Years before you sell

Hit ‘Get Results’ to calculate.

This helps calculate your refinancing costs. To calculate, enter:

Refinancing costs

Refinancing costs

  • Purchase price
  • Loan amount
  • Term (years)
  • Interest rate
  • Origination charge
  • Charge for specific interest rate
  • Required services selected by the lender:
    • Appraisal
    • Credit report
    • Flood certification
    • Tax service
    • Title services and lender’s title insurance
    • Owner’s title insurance
    • Government recording charges
    • Transfer taxes
  • Yearly property tax
  • Yearly insurance

Hit ‘Get Results’ to calculate.

 

This calculator shows users how they could save money on mortgage insurance by getting their house reappraised. To calculate, enter:

Insurance

Insurance

  • Term (years)
  • Interest rate
  • Appraised value
  • Yearly property tax
  • Yearly property insurance

Hit ‘Get Results’ to calculate.

This calculator helps compare two different offers from different lenders. To calculate, enter:

  • Less Down
    • Interest rate
    • Origination charge

      Better lender

      Better lender

    • Charge for specific interest rate
    • Other settlement costs
  • More Down
    • Interest rate
    • Origination charge
    • Charge for specific interest rate
    • Other settlement costs
  • Purchase price
  • Loan amount
  • Term (years)
  • Your state and federal tax rate
  • Yearly property tax
  • Yearly property insurance
  • Years before you sell or pay off loan
  • Your savings rate
  • If the Mortgage is Adjustable Rate:
    • Months before first adjustment
    • Initial interest rate
    • Months between rate adjustments
    • Maximum rate adjustment
    • Minimum rate
    • Maximum rate
    • Margin
    • Index rate
    • Months between index adjustments
    • Index rate change per adjustment
    • Predicted change in rates

Hit ‘Get Results’ to calculate.

This calculator also helps compare two different loans. To calculate, enter:

Better loan

Better loan

  • Less Down
    • Interest rate
    • Origination charge
    • Charge for specific interest rate
    • Other settlement costs
  • More Down
    • Interest rate
    • Origination charge
    • Charge for specific interest rate
    • Other settlement costs
  • Purchase price
  • Loan amount
  • Term (years)
  • Your state and federal tax rate
  • Yearly property tax
  • Yearly property insurance
  • Years before you sell or pay off loan
  • Your savings rate
  • If the Mortgage is Adjustable Rate:
    • Months before first adjustment
    • Initial interest rate
    • Months between rate adjustments
    • Maximum rate adjustment
    • Minimum rate
    • Maximum rate
    • Margin
    • Index rate
    • Months between index adjustments
    • Index rate change per adjustment
    • Predicted change in rates

Hit ‘Get Results’ to calculate.

This calculator estimates how much borrowers could save by paying more each month. To calculate, enter:

Extra payments

Extra payments

  • Original loan terms
    • Loan amount
    • Appraised value
    • Term (years)
    • Yearly property tax
    • Yearly property insurance
    • Interest rate
  • Extra Payments
    • Additional monthly payment
    • Months until you start extra payments

Hit ‘Get Results’ to calculate.

This calculates how much money borrowers could spend on a home. To calculate, enter:

  • Down payment

    What can I afford?

    What can I afford?

  • Total monthly payment
  • Term (years)
  • Interest rate
  • Loan to value ratio
  • Yearly property tax
  • Yearly property insurance

Hit ‘Get Results’ to calculate.

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