Mortgage Calculator Suite
18 Calculators to Plan Your Move
From PITI payments to DSCR loans, fix-and-flips to land contracts — explore every number behind your mortgage decision, built for Joseph Le, NMLS 529658.
Homebuyer
Mortgage Payment (PITI)
Estimate your true monthly payment — principal, interest, taxes, and insurance.
Open calculator →🏠Home Affordability
Find the maximum home price you can afford based on income, debts, and down payment.
Open calculator →👛Cash to Close
Add up every dollar needed on closing day — down payment, fees, prepaids, and escrow.
Open calculator →⚖️FHA · VA · Conventional Comparison
Compare your three main loan options side by side — payment, MI, and cash to close.
Open calculator →📏Rent vs. Buy
Compare the true cost of owning versus renting over your expected time horizon.
Open calculator →📊DTI Qualification
Check your debt-to-income ratios to see which loan programs you may qualify for.
Open calculator →Refinance & Rates
Temporary Rate Buydown
Model a 2-1 or 3-2-1 buydown to see reduced payments and savings in years one and two.
Open calculator →%APR Calculator
Reveal the true annual percentage rate — the note rate plus the cost of lender fees.
Open calculator →🔄Refinance Break-Even
Find your break-even point — months it takes for monthly savings to repay closing costs.
Open calculator →📅Amortization Schedule
See how each payment splits between principal and interest over the life of the loan.
Open calculator →Investor
DSCR Loan
Check whether rental income covers monthly debt service for investment property loans.
Open calculator →🔨Fix-and-Flip Profit
Estimate net profit and ROI on your next rehab project including loan and carrying costs.
Open calculator →🔑Rental Cash Flow
Project monthly cash flow, cap rate, and cash-on-cash return for a rental property.
Open calculator →🏛️Bank Statement Income
Qualify on business bank deposits instead of tax returns for self-employed borrowers.
Open calculator →Specialty
Bridge Loan
Cover the down payment on a new home while your current home sells — interest-only short-term.
Open calculator →✍️Land Contract
Model a seller-financed land contract with a balloon payment due at term.
Open calculator →💼Self-Employed Income
Calculate qualifying income from Schedule C with allowable add-backs and adjustments.
Open calculator →📚LTV · CLTV · HCLTV
Calculate loan-to-value ratios lenders use to underwrite refinances and HELOCs.
Open calculator →