Debt Consolidation Calculator
Would rolling the debt into the mortgage help?
Credit cards and car loans usually cost far more than a mortgage. This shows what one combined payment would look like — and whether you have the equity to do it.
One payment instead of several
New single payment
$1,669/mo
What you pay now $2,000/mo · Difference each month −$331
Available equity
$80,000
Total owed
$240,000
Interest this month, now
$600
Interest this month, after
$620
A lower payment usually means paying over a longer period. Check the interest line too, not just the monthly number.
Want the real number?
Bring these figures to a licensed advisor and we will work through what a lender would actually approve.
What this is and is not
This is an estimate to help you plan, not a pre-approval, a loan offer, or a commitment to lend, and not tax, legal or financial advice. Your actual rate, insurance premium, fees, eligibility and payments depend on your full application and the lender’s own rules. Talk to a licensed advisor before you commit.