Huntington Bank Mortgage Rate CalculatorsHuntington 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 mortgagerelated financial decisions. Huntington Bank’s online mortgage center is located at this page.
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 much can I borrow?
 How much will my mortgage payments be?
 How much will my adjustable rate payments be?
 Which is better: fixed or adjustable?
 Should I pay points to lower the rate?
 Which is better: 15 or 30 year loan term?
 How much should I put down for a new home?
 How much can I save in taxes?
 What will my closing costs be?
 Am I better off renting?
 Am I better off refinancing?
 What will my refinancing costs be?
 How can I reduce mortgage insurance costs?
 Which lender has the better loan?
 Which loan is better?
 How advantageous are extra payments?
 What home can I afford?
How to Calculate
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:
 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:
 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:
 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:
 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:
 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:
 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
 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:
 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:
 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:
 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:
 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
 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:
 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:
 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
 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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