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Net Present Value (NPV) Calculator


The Net Present Value (NPV) is a calculation that indicates how much an investment, such as a mortgage, is worth. For the Home Affordable Modification ProgramSM (HAMP®), mortgage companies/lenders compare the NPV of the mortgage with a HAMP modification to that of the mortgage left "as is." If the NPV with the modification is higher than, or within a specified range of, the NPV of the mortgage without the HAMP modification, HAMP servicers are required to provide the HAMP modification for eligible mortgages (subject to investor restrictions.) is a free online tool designed to provide an estimate of your mortgage servicer’s NPV evaluation and to help you learn about the NPV evaluation process. If you have additional questions regarding how to use, where to gather the information required, or just need general assistance with the HAMP NPV process, you can call 888-995-HOPE (4673).

Go to › is an official site of the Making Home Affordable (MHA) Program, an official program of the U.S. Departments of the Treasury and Housing and Urban Development.

Last Updated: 7/28/2017 11:15