Loan Payment Calculators

HAPO Loan Calculators give you a quick way to calculate everything about your loan: Payment amounts, Payoff amounts, Amortization, and more. Simply enter your data in the fields below, press calculate, and see what your monthly payment would be.

Loan Calculator



Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

Calculator Terms & Definitions

The following information defines the terms found in the Loan Calculator.

Loan amount

Original or expected balance for your loan.

Term in years

The number of years over which you will repay this loan. The most common loan terms are 15 years and 30 years.

Interest rate

Annual fixed interest rate for this loan.

Monthly payment

Monthly principal and interest payment (PI).

Total payments

Total of all monthly payments over the full term of the loan. This total payment amount assumes that there are no prepayments of principal.

Total interest

Total of all interest paid over the full term of the loan. This total interest amount assumes that there are no prepayments of principal.

Prepayment type

The frequency of prepayment. The options are: none, monthly, yearly, and one-time payment.

Prepayment amount

Amount that will be prepaid on your loan. This amount will be applied to the loan principal balance, based on the prepayment type.

Start with payment

This is the payment number that your prepayments will begin with. For a one time payment, this is the payment number that the single prepayment will be included in. All prepayments of principal are assumed to be received by your lender in time to be included in the following month's interest calculation. If you choose to prepay with a one-time payment for payment number ZERO, the prepayment is assumed to happen before the first payment of the loan.


Total amount of interest you will save by prepaying your loan.

Have Questions

Don't hesitate to reach out to our team if you have any questions regarding your loan payment or how to qualify.

Call us at 509-943-5676.