26 mortgage calculators,built for real decisions.
Payments, buying power, FHA and VA costs, refinancing, and the investor math lenders actually use. Each one shows its working, and our team can confirm the numbers.
Payments and payoff
- Mortgage PaymentYour full monthly payment: principal, interest, taxes, insurance, PMI and HOA.
- Debt-to-IncomeFront-end and back-end DTI with plain-language guidance by loan type.
- Amortization ScheduleYear by year: how each payment splits between principal and interest.
- Extra PaymentsHow much interest and time extra principal payments save you.
- Biweekly PaymentsHalf a payment every two weeks: how much sooner the loan ends.
- Interest-Only MortgageThe interest-only payment, the payment after it ends, and the jump between them.
Buying a home
- Home AffordabilityHow much house your income supports, with both debt-to-income ratios shown.
- Down PaymentCompare 3%, 3.5%, 5%, 10% and 20% down side by side.
- Closing CostsAn itemized estimate of a California buyer's closing costs and prepaids.
- FHA LoanFHA payment with upfront and annual mortgage insurance built in.
- VA LoanVA payment and funding fee, with no monthly mortgage insurance.
- PMIWhat private mortgage insurance costs and the month it falls off.
- Rent vs BuyWhether owning beats renting over the years you plan to stay.
- California Property TaxProp 13 base rate, local add-ons, Mello-Roos and the homeowners' exemption.
Refinance and equity
- Refinance Break-EvenHow many months of lower payments it takes to earn back your closing costs.
- Cash-Out RefinanceThe most cash your home's equity can release, and what the new payment looks like.
- Home Equity and HELOCHow large a home equity line you may qualify for, and its payments over time.
- Reverse Mortgage EligibilityCheck the age and equity basics for a reverse mortgage, and the ways to receive funds.
Investors and self-employed
- DSCRDebt service coverage ratio for a rental, and the most it can borrow.
- Max DSCR LoanThe largest DSCR loan a rental's rent supports, checked against a max LTV.
- Rental Property Cash FlowMonthly NOI, debt service and cash flow for a rental, and where the rent goes.
- Cap RateNet operating income and cap rate for a rental, and the price for a target cap.
- Cash-on-Cash ReturnAnnual pre-tax cash flow divided by the cash you put in, with the DSCR.
- BRRRRBuy, rehab, rent, refinance: the cash left in the deal and the post-refi cash flow.
- Fix and FlipProfit, ROI and annualized return on a flip with short-term financing.
- Bank Statement IncomeSelf-employed qualifying income from 12 or 24 months of deposits, and the loan it supports.
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