Mortgage Calculators & Tools

Mortgage Calculator

Calculate monthly mortgage payments with principal, interest, taxes, insurance (PITI). Compare loan terms and amortization.

Mortgage Affordability Calculator

Find out how much house you can afford based on income, down payment, debts, and DTI ratio guidelines.

Refinance Calculator

Calculate new monthly payment, total savings, and break-even point when refinancing your mortgage.

Refinance Break-Even Calculator

Find the exact month you break even on refinance closing costs through monthly savings. Make data-driven refi decisions.

Biweekly Mortgage Payoff Calculator

See how biweekly payments shave years off your mortgage and save thousands in interest. Compare to monthly.

ARM vs Fixed Mortgage Calculator

Compare adjustable-rate vs fixed-rate mortgages side by side. See total interest under different rate scenarios.

Mortgage Overpayment Calculator

See how extra monthly payments cut your mortgage term and total interest paid. Try different overpayment amounts.

Mortgage Points Break-Even Calculator

Decide whether to buy discount points. See exact break-even month based on point cost vs monthly payment savings.

Mortgage Recast Calculator

Calculate new payments after a lump-sum principal reduction and mortgage recast. Lower monthly payment without refi.

Reverse Mortgage Calculator

Estimate reverse mortgage proceeds, fees, and remaining equity for homeowners 62+. HECM-based estimates.

HELOC Payment Calculator

Calculate Home Equity Line of Credit payments during draw and repayment periods. Compare interest-only vs amortized.

Home Equity Calculator

Calculate current home equity, available HELOC capacity, and CLTV ratio based on home value and mortgage balance.

Home Loan Calculator

Estimate monthly payments, total interest, and amortization schedule for any home loan amount and term.

Loan-to-Value (LTV) Calculator

Calculate LTV ratio to determine PMI requirements, refinance eligibility, and equity position.

PMI Removal Calculator

Find out when you can request PMI removal based on home value appreciation and principal paydown. Save thousands.

Closing Cost Estimator

Estimate closing costs for buyers and sellers — origination fees, title insurance, prepaid items, escrow, taxes.

Down Payment Savings Calculator

Plan how long it'll take to save for a down payment based on income, savings rate, and target home price.

House Affordability Calculator

Calculate maximum home price using 28/36 DTI rule, income, debts, down payment, and current mortgage rates.

Rent vs Buy Calculator

Compare total cost of renting vs buying over 5/10/30 years. Includes appreciation, opportunity cost, taxes, and fees.

Stamp Duty Estimator

Estimate stamp duty / transfer tax on home purchases. UK SDLT, AU stamp duty, plus US transfer tax states.

HELOC vs Cash-Out Refinance Calculator

Compare HELOC and cash-out refinance side-by-side: monthly payments, total interest, and which saves more money.

Cash-Out Refinance Calculator

Calculate cash-out refinance payments, break-even point, and total cost vs. current mortgage. LTV check included.

Interest-Only Mortgage Calculator 2026

Compare interest-only vs fully amortizing payments, see payment shock at IO period end, total interest cost, and year-by-year schedule.

Refinance Savings Calculator

Calculate total savings from refinancing — compare current vs new loan terms, closing costs, and break-even month.

Mortgage Early Payoff Calculator

See how extra payments accelerate payoff, save interest, and shave years off your mortgage. One-time and monthly extras.

Prepayment Penalty Calculator

Calculate if paying your mortgage prepayment penalty is worth it. See penalty cost, interest savings, break-even month, and net savings.

Jumbo Loan Qualifier 2026

Check if your home purchase requires a jumbo loan. Compare 2026 FHFA conforming limits, estimate rate premium, DTI, and qualification.

FHA 203(k) Renovation Loan Calculator

Calculate your FHA 203(k) combined purchase-and-renovation loan: total amount, monthly payment with MIP, contingency reserve, upfront costs, and instant equity created.

FHA vs Conventional Loan Comparison

Compare FHA and conventional loans side by side — MIP vs PMI costs, monthly payments, and total loan cost to find the cheaper option.

USDA Loan Eligibility Calculator

Check USDA rural development loan eligibility. Verify 2026 income limits, estimate monthly payments with guarantee fee.

Home Improvement Loan Calculator

Compare home equity loan, personal loan, and HELOC for renovations. See rates, payments, and total cost side by side.

Seller Net Sheet Calculator

Calculate estimated net proceeds from selling your home after commissions, closing costs, mortgage payoff, and taxes.

Biweekly vs Monthly Mortgage Calculator

Compare biweekly and monthly payment schedules. See how biweekly saves years of interest and accelerates payoff.

Down Payment Calculator

Calculate down payment amount by loan type, compare PMI impact at different percentages, and plan your savings timeline.

Mortgage Recast vs Refinance Comparison

Compare recasting and refinancing side by side. See costs, monthly savings, and which option saves more over your loan term.

Seller Concession Calculator 2026

Calculate maximum seller concessions by loan type — Conventional, FHA, VA, USDA. See how concessions reduce your closing costs.

Title Insurance Cost Calculator

Estimate lender and owner title insurance premiums by state. See simultaneous issue discounts and total title closing costs.

Down Payment by State Calculator

Estimate typical down payment by US state with 2026 median home prices, conventional/FHA/VA loan options, and PMI impact.

2-1 Mortgage Rate Buydown Calculator

Calculate seller-paid temporary buydown costs vs monthly payment savings in years 1-2. See break-even and total interest impact.

No-Closing-Cost Refinance Calculator

Compare lender-credit no-closing-cost refi to traditional refi. See higher rate vs upfront-cost trade-off and break-even month.

Refinance vs Loan Modification Comparison

Compare refinancing vs loan modification side-by-side. See credit impact, costs, payment savings, and qualification thresholds.

Escrow Account Calculator

Estimate your monthly escrow payment for property taxes, homeowners insurance, flood insurance, and HOA fees. RESPA-compliant cushion included.

Bridge Loan Cost Calculator (US 2026)

Calculate total bridge loan cost — monthly carry, interest, origination + exit fees, and net cost on home sale. Includes HELOC comparison at 2026 rates.

PMI vs FHA MIP Comparison Calculator 2026

Compare conventional PMI vs FHA MIP costs side-by-side over 30 years. PMI auto-cancel at 78% LTV vs FHA full-term MIP. Fannie/Freddie matrix + HUD Mortgagee Letter rates.

15 vs 30 Year Mortgage Calculator

Compare 15-year and 30-year mortgage options side by side. See monthly payment difference, total interest saved, and break-even point.

Mortgage Rate Lock Calculator

Decide whether to lock or float your mortgage rate. Compare lock periods (30–90 days), see break-even analysis, rate lock fee costs, and all rate-change scenarios.

Mortgage APR Calculator

Calculate true mortgage APR including closing costs, points, and fees. Compare advertised rate vs actual APR to find the best deal.

PMI Calculator

Calculate private mortgage insurance cost by credit score, see when PMI drops off, and compare monthly payments with and without PMI.

PITI Calculator

Calculate your full monthly PITI payment — Principal, Interest, Taxes, Insurance, HOA, and PMI — with a 28% rule affordability check.

Construction Loan Calculator

Calculate interest-only payments during construction, draw schedule costs by phase, and permanent mortgage payment after conversion.

Mortgage Assumption Calculator

Calculate savings from assuming a seller's existing mortgage. Compare assumed vs new loan payments, monthly savings, and total interest saved at today's rates.

Seller Financing Calculator

Calculate payments, balloon amounts, and amortization schedules for owner-financed real estate deals. Compare seller financing vs bank mortgage costs.

Finance Calculators

Investments, retirement, budgeting, debt, savings, and 50+ personal finance tools.

Insurance Calculators

Home, life, health, auto, and pet insurance estimators.

Tax Calculators

Federal, state, payroll, capital gains, self-employment, and quarterly tax tools.

Housing & Real Estate

Rental yield, BRRRR, fix-and-flip, cap rate, and investment property tools.

Balloon Mortgage Calculator

Calculate balloon mortgage monthly payment plus final balloon amount due. 5/7-year vs 30-year fixed.

3-2-1 Buydown Calculator

Calculate temporary 3-year rate buydown cost, year-by-year savings, and break-even.

ARM Payment Shock Calculator

Project worst-case ARM payment shock at first adjustment, lifetime cap, and rate floor. Models 5/1, 7/1, 10/1 ARMs with periodic and lifetime caps. Free.

ARM Rate Reset Calculator

Calculate your ARM payment shock when the fixed period ends. See your new monthly payment after rate adjustment, plus payment caps and lifetime cap. Free.

Asset Depletion Mortgage Calculator

Calculate asset depletion qualifying income for a retiree mortgage. Free non-QM loan calculator using liquid assets to qualify without W-2 income — 2026 rates.

Bank Statement Loan Calculator

Calculate qualifying income, monthly payment, and rate premium for a bank statement mortgage. Free non-QM loan calculator for self-employed borrowers — 2026 rates.

Closing Disclosure Calculator

Calculate cash-to-close from your TRID Closing Disclosure with lender fees, third-party fees, prepaids, escrows, and seller credits. Free, private, 3-day rule tracker.

Condo Loan Warrantability Checker

Check if a condo project qualifies for FHA, VA, or Fannie Mae warrantable financing. Tests owner-occupancy, single-entity ownership, HOA reserves, litigation, insurance, and 2026 lender rules.

Conventional PMI Removal Calculator

Calculate when you can request, automatically end, or refinance away conventional mortgage PMI. Free 2026 calculator using HPA 78% / 80% rules and current home value.

Discount Points Cost Calculator

Calculate the true cost of mortgage discount points. See lifetime savings, break-even month, and whether buying points beats putting cash elsewhere. Free, private.

Mortgage Discount Points ROI Calculator

Calculate the true return on investment for buying mortgage discount points. See break-even month, lifetime savings, and annualized ROI with 2026 rates. Free and private.

DSCR Loan Calculator

Calculate DSCR (debt service coverage ratio) for rental property investor loans. 1.0/1.25 thresholds, max loan from rent, no-income-doc qualification. Free, instant.

Debt-to-Income (DTI) Calculator

Calculate your debt-to-income ratio for mortgage qualification. Front-end and back-end DTI, max loan amount, and lender thresholds. Free and private.

Escrow Shortage Calculator

Calculate your mortgage escrow shortage and the payment increase next year. See lump-sum vs spread-out repayment options. Free, private, RESPA-compliant logic.

Extra Principal Payment Savings Calculator

See how extra monthly principal payments on your mortgage save interest and shorten loan term. Compare scenarios. Free, instant, private mortgage calculator.

FHA Loan Calculator

Calculate FHA loan monthly payment with UFMIP (1.75%) and annual MIP. See total cost, eligibility, and FHA vs conventional savings. Free, private, instant.

FHA Loan Limit by County 2026 Calculator

Check 2026 FHA loan limits by county — floor ($524,225), ceiling ($1,209,750), and special exception areas. Determine your maximum FHA mortgage. Free and private.

FHA MIP Removal Calculator

Find out exactly when you can remove FHA mortgage insurance (MIP). Check eligibility, refinance break-even, and savings vs conventional refi. Free 2026 tool.

FHA Streamline Refinance Calculator

Calculate FHA Streamline refinance savings, net tangible benefit, MIP refund, and break-even. Free FHA streamline calculator — no signup, no income docs.

HELOC Amortization Schedule Calculator

Free HELOC amortization schedule calculator. See month-by-month payments across the draw period (interest-only) and repayment phase (principal + interest). 2026 rates.

HELOC Draw Period Payment Calculator

Calculate HELOC payments during the 10-year draw period and 15-20 year repayment phase. See payment shock when interest-only ends. Free, private, 2026 rates.

HELOC Fixed vs Variable Rate Comparison

Compare HELOC fixed-rate lock vs variable-rate (prime + margin) options. See total interest under different rate scenarios. Decide if locking saves money. Free.

HELOC Tax Deduction Calculator (2026 IRS Pub 936)

Calculate how much HELOC interest is tax-deductible under IRS Pub 936 rules. Free, private, 2026 limits. Acquisition vs equity debt split.

HOA Fee Mortgage Impact Calculator

See how HOA fees reduce your mortgage qualifying power. Calculates affordability cut by HOA dues using lender DTI ratio rules. Free, private, no sign-up.

Home Equity Loan vs HELOC Comparison Calculator

Compare fixed-rate home equity loan vs variable HELOC: monthly payments, total interest, and which saves more. Free, private, 2026 rates.

Investment Property Mortgage Calculator

Calculate investment property mortgage payment, monthly cash flow, cap rate, cash-on-cash return, and DSCR. Free rental property analyzer — no signup.

Piggyback Loan vs PMI Comparison Calculator

Compare 80/10/10 piggyback loan vs PMI on a single mortgage. See total monthly cost, lifetime interest, and break-even point with 2026 rates. Free and private.

Jumbo vs Conventional Mortgage Calculator

Compare jumbo and conventional loan payments, rates, and qualification rules. See if you need a jumbo loan based on FHFA 2026 conforming loan limits. Free.

Minimum Income for Mortgage Calculator

See exactly how much income you need to qualify for a $300K, $500K, $750K mortgage. Uses CFPB and Fannie Mae DTI rules. Free, private, no sign-up.

Mortgage Amortization Schedule — Printable

Generate a full mortgage amortization schedule with monthly principal, interest, and balance breakdown. Print-ready, exportable to CSV. Free and private.

Mortgage Application Cost Calculator

Estimate total mortgage application costs: appraisal, credit pull, origination, title, recording, prepaids. CFPB Loan Estimate breakdown by loan amount. Free.

Mortgage Credit Certificate (MCC) Calculator

Calculate annual federal tax credit from an MCC program for first-time homebuyers. State-issued MCC rate, mortgage interest, and credit cap. Free.

Mortgage Credit Score Rate Impact Calculator

See how your FICO credit score changes your mortgage rate and lifetime interest. Compare 5 FICO bands side-by-side. Free, private, no sign-up required.

Mortgage Lender Comparison Calculator

Compare up to 3 mortgage lender quotes side-by-side. Calculate APR, total cost, monthly payment, and lifetime savings to pick the best loan offer. Free and private.

Mortgage Payoff Date Calculator

Calculate your exact mortgage payoff date, total interest, and how much faster extra payments pay off your loan. Free, private, and instant. 2026 rates.

Mortgage Payoff vs Invest Calculator 2026

Compare paying off your mortgage early vs investing the same money in the stock market or 401(k). Tax-adjusted, factoring in mortgage interest deduction. Free and private.

Mortgage PMI Monthly Rate Calculator

Calculate exact monthly PMI cost based on LTV, FICO, and loan amount. See how fast you reach 80% LTV to drop PMI. Free, private, no sign-up.

Mortgage Prequalification Calculator

See how much mortgage you prequalify for based on income, debts, credit, and down payment. Front/back DTI ratios, conventional/FHA/VA limits. Free, instant, private.

Piggyback Loan Calculator

Calculate a piggyback 80/10/10 or 80/15/5 loan: first mortgage, HELOC, monthly payments, and PMI savings. Free and private — no signup needed.

PMI Monthly Cost Calculator

Estimate monthly PMI on a conventional mortgage by LTV and credit score. 2026 MGIC/Genworth/Radian rate cards. See annual cost + when PMI cancels at 78% LTV. Free.

Preapproval vs Prequalification — Mortgage Comparison

Compare mortgage preapproval vs prequalification side-by-side. Documents needed, credit pull type, lender weight, timeline, and which one to get first. Free.

Reverse Mortgage Line of Credit Calculator

Estimate your HECM reverse mortgage line of credit. See available principal limit, growth rate, and lifetime borrowing power based on FHA 2026 rules.

Second Mortgage Calculator

Calculate second mortgage payments, total interest, and combined CLTV. Compare home equity loan vs HELOC vs cash-out refi. Based on 2026 lender guidelines.

USDA Guarantee Fee Calculator 2026

Calculate USDA Single Family Housing Guarantee fee — 1.00% upfront + 0.35% annual on a USDA Rural Development loan. See monthly cost and lifetime fee total with 2026 rates.

VA IRRRL Calculator (VA Streamline Refinance)

Calculate VA IRRRL streamline refinance savings, funding fee, and break-even. Free VA IRRRL calculator for veterans — no signup, no income docs needed.

VA Loan Entitlement Calculator

Calculate VA loan entitlement, remaining bonus entitlement, and second-tier eligibility. 2026 VA loan limits by county included. Free and private.

Mortgage Points Break Even 2026 Calculator

Free 2026 mortgage points vs no-points break-even calculator. Compare rate with discount points to no-points loan. Private, no sign-up needed.

HELOC vs 401k Loan 2026 Comparison Calculator

Free 2026 HELOC vs 401k loan comparison. See total HELOC cost vs 401k loan cost incl. opportunity cost of lost market growth. Private, no sign-up.

ARM Margin Index Rate 2026 Comparison Calculator

Free 2026 ARM margin and Treasury index rate comparison. See rate at each adjustment, max payment under caps, worst-case scenario. Private, no sign-up.

HECM Reverse Mortgage Payout Options 2026 Calculator

Free 2026 HECM payout calculator. Compare tenure (lifetime), term (10/15/20yr), and line-of-credit options under HUD rules. Private, no sign-up.

Bank Statement Loan 2026 Self-Employed Qualifier

Free 2026 bank statement loan qualifier for self-employed. Enter 12 or 24 month deposits, expense ratio, credit score. Get income, max loan, rate. Private.

Mortgage Credit Certificate MCC 2026 Calculator

Free 2026 Mortgage Credit Certificate (MCC) tax credit calculator. Enter loan, rate, MCC %, state. Get annual credit and lifetime tax savings. Private.

Non-Occupant Co-Borrower Mortgage 2026 DTI Calculator

Free 2026 non-occupant co-borrower mortgage DTI calculator. Blend occupant + co-borrower income, debts. See FHA vs conventional eligibility. Private.

DSCR Loan Airbnb 2026 Qualifier Calculator

Free 2026 DSCR loan qualifier for Airbnb / short-term rentals. Enter STR income, PITI, vacancy, mgmt fee. Get DSCR ratio, max loan, 1.0/1.1/1.25 tier.

VA Funding Fee vs PMI Calculator 2026

Compare free 2026 VA loan funding fee (1.25-3.3%) against conventional PMI over 7 years. Private, runs in your browser, no sign-up needed.

Down Payment Gift Tax 2026 Calculator

Free 2026 down payment gift tax calculator. Check IRS annual exclusion, Form 709, and Fannie Mae gift letter rules. Private, instant.

Loan Estimate Tolerance Check 2026

Free private loan estimate tolerance check — compare LE vs CD fees, bucket each into zero / 10% / unlimited TRID tolerance, see RESPA refund owed.

30-Year vs 15-Year Mortgage Comparison

Compare 30-year and 15-year mortgages side-by-side. See monthly payment, total interest paid, lifetime savings, and break-even rate spread. Free, private, instant.

ARM Payment Shock Calculator

Calculate worst-case payment shock when your ARM resets. Includes initial cap, periodic cap, lifetime cap, and life-of-loan max payment. Free.

ARM 5/1 vs 7/1 vs 10/1 vs 30y Fixed Comparison

Compare four mortgage products side-by-side: 5/1 ARM, 7/1 ARM, 10/1 ARM, and 30-year fixed. See payment, total interest, and reset risk over 7-year hold.

ARM Rate Cap 2-2-5 Payment Shock Calculator

Calculate worst-case ARM payment using 2/2/5 rate caps. Free private ARM cap payment shock estimator — initial, subsequent, and lifetime cap maximums.

ARM to Fixed Refinance Break-Even 2027 Calculator

Calculate when ARM-to-fixed refinance pays off in 2027 — break-even months, future ARM resets, total savings. Free private ARM to fixed refi calculator.

ARM vs Fixed Mortgage Calculator

Compare 5/1 ARM vs 30-year fixed mortgage. Initial rate savings vs reset risk. Break-even. Private.

Asset Depletion Loan Retiree 2027

Calculate asset depletion loan 2027 — retirees use portfolio (not income) for qualification. Annualized 70-80% of liquid assets / 360 months.

Asset Depletion Mortgage Qualification Calculator

Calculate retirement-asset mortgage qualification — Fannie Mae allows 70% of liquid assets divided by 360 months as monthly income. Retirees with $1M+ in IRAs can qualify.

Asset Depletion Mortgage Qualifier

Calculate qualifying income for an asset depletion mortgage. Retirement, brokerage, and savings assets converted to monthly income. Free 2026.

Assumable Mortgage Savings Calculator

Calculate savings from assuming an existing FHA, VA, or USDA mortgage at lower rate vs current market rate. Free assumable loan calculator. Private.

Assumable VA & FHA Mortgage Savings Calculator

Calculate savings from assuming a VA or FHA mortgage at the seller's low rate vs new financing at current rates. Free 2026 tool.

Biweekly vs Bimonthly Mortgage Payment Calculator 2027

Compare biweekly (26 payments/year) vs bimonthly (24 payments/year) mortgage strategies — biweekly = 1 extra payment annually, shaves 4-7 years off 30-year loan.

Biweekly vs Monthly Mortgage

Calculate biweekly mortgage savings vs monthly — equivalent to 13 monthly payments per year, saves 5-7 years + tens of thousands.

Blanket Mortgage Calculator — Real Estate Investor

Calculate blanket mortgage: single loan over multiple properties, partial release, DSCR coverage. Free real estate investor tool. Private.

Bridge to Permanent Loan Cost Calculator 2026

Calculate bridge to permanent loan total cost: interest reserve, conversion fee, rate lock risk. Free 2026 construction financing tool. Private.

Builder Incentive vs Rate Buydown 2027

Compare new construction builder incentive ($15-25k closing credit) vs builder-paid rate buydown 2027. Both common — different math.

Buy-Down Points Break-Even

Calculate mortgage points buy-down break-even — pay 1% upfront to reduce rate 0.25%. Worth it if you'll hold 5+ years.

Buying Down Rate vs Larger Down Payment Calculator 2027

Compare buying down mortgage rate (points) vs making larger down payment 2027 — see which saves more over 5/10/30-year hold period.

Cash-In Refi PMI Removal Calculator

Calculate cash needed at refinance to drop below 80% LTV and eliminate PMI. Compare PMI savings vs cash committed.

Cash-In Refinance Savings Calculator

Calculate how much cash to bring to a refinance to drop your LTV, kill PMI, and unlock a lower rate. Real LTV tiers, PMI savings, payment difference. Free, instant.

Cash-Out Refinance Calculator 2026

Calculate your cash-out refinance for 2026: new loan amount, monthly payment, break-even months, LTV check (80% max conventional). Real rates, instant, private.

CMT vs SOFR ARM 2027 Comparison Calculator

CMT vs SOFR ARM index 2027 comparison. Treasury constant maturity vs SOFR. Margin + caps. Free.

COFI vs SOFR ARM 2027 Comparison Calculator

Compare 5/1 ARM payments under COFI vs SOFR index 2027 — see which adjustable-rate index produces lower payment after reset.

Commercial Mortgage DSCR Calculator

Calculate debt service coverage ratio (DSCR) for commercial mortgages. Min 1.20-1.25× typical lender requirement, NOI ÷ annual debt service.

Construction Loan Conversion Calculator

Compare one-time-close construction-to-permanent loan vs separate construction + end loan. Interest-only draws, rate lock at conversion, fees.

Construction Loan to Permanent Calculator 2026

Calculate construction loan to permanent: draws, interest, contingency, total cost vs cash. Free 2026 home construction finance tool. Private.

Construction Loan vs End Loan Comparison

Compare construction-to-permanent loan vs standalone construction + end loan: rates, closing costs, conversion fees. Free 2026 tool. Private.

Construction-to-Perm Loan Payment 2027 Calculator

Calculate construction-to-permanent loan payments for 2027 — interest-only draw phase, monthly draws, and permanent loan conversion. Free private C-to-P calculator.

Construction-to-Perm Loan Rate Lock Calculator

Calculate construction-to-perm loan cost vs separate construction + permanent loans. Compare rate-lock options and extended-lock fees. Free 2026.

Contract for Deed vs Traditional Mortgage 2027 Calculator

Compare contract for deed (land contract) vs traditional deed-of-trust mortgage for 2027. See total cost, title transfer, default protections, and tax treatment. Free.

Conventional 97 Down Payment Calculator 2027

Calculate Conventional 97 loan: 3% down payment, no first-time-buyer requirement, PMI required. Compare with FHA 3.5% and standard 5% down for 2027 home purchase.

Conventional Conforming Loan Limit Calculator 2026

Check if your mortgage qualifies as conforming or jumbo in 2026: county-specific FHFA limits, high-balance pricing. Free tool. Private.

Doctor/Physician Loan vs Conventional Calculator

Compare physician loan (0-5% down, no PMI) vs conventional 20% down for doctors and dentists. Free 2026 tool.

Physician Mortgage Eligibility Calculator

Calculate eligibility for physician mortgages — 100% financing, no PMI, doctor-specific underwriting. Compare physician loan vs jumbo conventional. Free.

DPA Program ROI Calculator

Calculate ROI of down-payment-assistance programs: forgivable grants, second mortgages, deferred-payment loans. See net benefit after rate penalty.

Down Payment Assistance DPA ROI Calculator

Calculate DPA effective cost after forgiveness period, recapture risk, and breakeven vs paying full down. Free DPA program calculator. Private.

Down Payment Gift Tax 2026 Calculator

Calculate if a down payment gift triggers IRS gift tax reporting in 2026. See $18,000 annual exclusion, spousal splitting, and lifetime exemption impact. Free, private, instant.

DSCR Loan Investor Qualifier

DSCR loan qualifier — debt service coverage ratio 1.0+ for investor mortgages. Rental income covers PITI.

DSCR Loan Rental Property Calculator

Calculate DSCR loan eligibility for rental property — qualifies on property cashflow only, no personal income. 1.10-1.25× typical minimum.

DSCR Rental Loan Qualifier Calculator

Qualify for DSCR rental loan: no personal income required, 1.0-1.25 DSCR floor, 80% max LTV. Free 2026 investor mortgage tool. Private.

DSCR vs Conventional Investment 2027

Compare DSCR loan vs conventional investment property loan 2027 — DSCR no income docs (just property cash flow), conventional uses personal income.

Escrow Shortage Spread Calculator

Calculate whether to pay your mortgage escrow shortage lump sum or spread it over 12 months. Includes RESPA 2-month cushion and new payment.

Escrow Impound vs No-Escrow Comparison

Compare escrow impound vs paying property tax + insurance directly: cash flow, lender fees, opportunity cost. Free mortgage tool. Private.

Mortgage Escrow Shortage 2027 Calculator

Calculate mortgage escrow shortage 2027 — when property taxes or insurance rise, escrow comes up short. See spread-out vs lump-sum repayment options.

FHA Loan Limits 2026 Calculator

Check FHA loan limit eligibility for 2026 by county type, family size, and home price. See if your purchase fits within the 1-unit ($524,225 floor / $1,209,750 ceiling) FHA cap. Free, private, instant.

FHA MIP Cancellation Calculator

Calculate savings from refinancing FHA loan to conventional once 20% equity reached. FHA MIP cannot cancel for sub-10% down loans.

FHA MIP Removal 2027

Determine FHA Mortgage Insurance Premium (MIP) removal eligibility — life of loan for most post-2013 loans; refinance to conventional.

FHA Streamline Refinance 2027 Calculator

Calculate FHA streamline refinance savings 2027 — no appraisal, no income verification, must net tangible benefit. 0.5%+ rate drop typical break-even.

FHA vs VA Loan Comparison Calculator 2026

Compare FHA vs VA loan: MIP, funding fee, down payment, monthly payment, eligibility. Free 2026 mortgage decision tool. Private.

First-Lien HELOC Payoff Strategy Calculator

Calculate how a first-lien HELOC can accelerate mortgage payoff via velocity banking. Compare to traditional fixed mortgage. Free 2026 tool.

Mortgage Forbearance Deferred Balloon Calculator

Calculate forbearance deferred balloon payoff free. CARES Act, FHA partial claim, balloon at maturity, monthly impact. Private.

Foreign National Mortgage Loan 2027

Calculate foreign national mortgage 2027 — non-US citizens buy US property. 25-30% down, 1-2% rate premium, no US tax ID needed (some lenders).

Foreign National Mortgage Rate Calculator

Estimate foreign national mortgage rates and down payment requirements for non-US-resident buyers. Compare to conventional rates. Free 2026 tool.

Hard Money Loan Cost

Calculate hard money loan true cost — 9-14% rate + 3-5 points + short term (6-24 months). Asset-based, no doc.

HELOC Frozen Credit Line Risk Calculator

Calculate exposure when a HELOC is frozen or reduced by the lender. Estimate worst-case borrowing capacity loss. Free 2026 tool.

HELOC Margin vs Prime Rate Calculator

Compare HELOC margins (prime + X%) across lenders. See lifetime interest cost for 5%, 6.5%, and 8% prime scenarios. Free, instant.

HELOC Payoff Acceleration Calculator

Calculate how fast you can pay off a HELOC with extra principal. Compare interest-only minimum vs accelerated payoff. Free 2026 tool.

HELOC vs Cash-Out Refi Decision Tool

Compare HELOC vs cash-out refinance for tapping home equity in 2026. See total cost, monthly payment, and break-even based on current and new rates.

HELOC vs Cash-Out Refinance 2027 Comparison

Compare HELOC vs cash-out refinance 2027 — HELOC keeps first mortgage rate, variable; cash-out refi resets entire loan to current rates with closing costs.

HELOC vs Cash-Out Refi Calculator 2026

Compare HELOC (variable rate, second lien) vs cash-out refi (fixed rate, replaces first lien) in 2026. Calculate break-even, total interest, monthly payment.

HELOC vs Cash-Out Refi

Compare HELOC (variable rate, 10-yr draw) vs cash-out refinance (fixed rate, new loan). When to use each.

Home Affordability by Mortgage Rate

See exactly how much house you can afford at different mortgage rates. Compare 5%, 6%, 7%, 8% rates with the same monthly payment. Built for 2026 rate environment.

HUD Section 184 Native American Home Loan Calculator 2027

Calculate HUD Section 184 loan — 2.25% down, 1.5% upfront guarantee fee, available to enrolled tribal members. Compare with FHA and conventional for tribal/trust land 2027.

Interest-Only Mortgage Balloon Calculator

Calculate interest-only mortgage payments, balloon at end of IO period, and total cost vs amortizing mortgage. ARM and fixed-rate scenarios.

Interest-Only vs ARM vs Fixed Mortgage Comparison

Compare interest-only, adjustable-rate (ARM), and 30-year fixed mortgages. Calculate payments and 7-year cost. Free 2026 tool.

ITIN Mortgage Qualifier

Calculate ITIN mortgage qualifying for borrowers without an SSN. Includes rates, down payment, and DTI rules. Free 2026 tool.

Jumbo Loan 2027 by State Calculator

Calculate jumbo loan eligibility 2027 — loan above conforming limit ($766,550 baseline, $1,149,825 high-cost). Tighter underwriting + reserves + DTI.

Jumbo Loan Down Payment Calculator 2026

Calculate minimum jumbo loan down payment: 10/15/20/25% tiers by loan size + lender requirements. 2026 conforming limit aware. Private.

Jumbo Loan 2027 Qualifier

Determine if you qualify for jumbo loan 2027 — over conforming limit ($766K-$1.15M). Tighter income, asset, credit requirements.

Jumbo Loan Qualifier 2027 DTI + Income Calculator

Calculate jumbo loan qualification 2027 — DTI threshold (typically 43-45%), reserve requirement (6-12 months), and minimum credit score. Above conforming limit ($806K 2026).

Jumbo Loan Reserves Required 2027 Calculator

Calculate jumbo loan reserve requirements for 2027 — PITI months needed by loan size, credit score, and property type. Free private jumbo reserves calculator with asset depletion.

Jumbo vs Conforming Comparison

Compare monthly cost, total interest, and qualifying differences between jumbo and conforming mortgages in 2026.

Jumbo vs Conforming Loan Limit 2027 Calculator

Compare jumbo vs conforming loan costs for 2027 — $806,500 baseline limit, rate premium, piggyback option. Free private jumbo vs conforming side-by-side calculator.

Jumbo vs Super-Conforming Loan Calculator

Compare jumbo vs super-conforming mortgage costs in 2026. Real conforming loan limits, rate spread, PMI rules, and monthly payment side-by-side. Free, instant.

Land Contract vs Mortgage Calculator

Compare land contract (contract for deed) vs traditional mortgage — cashflow, closing costs, default consequences, title transfer timing.

Lock-and-Shop Mortgage Rate Lock Cost Calculator

Calculate the cost and savings of a 60/90-day lock-and-shop rate lock vs floating. Real lock fees, rate-rise protection, and break-even on rate move. Free.

Mortgage 3-2-1 Buydown Cost Comparison Calculator

Compare mortgage 3-2-1 buydown vs 2-1 vs no buydown for 2027. Free private 3-2-1 buydown cost estimator — year 1, 2, 3 effective rates and total seller cost.

ARM vs Fixed 2028 Decision Calculator

ARM vs fixed 2028 — compare 5/1 ARM teaser rate vs 30yr fixed for 2028 purchase. Calculate breakeven.

Mortgage Assumable FHA/VA Takeover 2027 Calculator

Free assumable mortgage calculator 2027 — FHA + VA assumption cost, seller equity check, savings vs new market-rate loan when buying a low-rate assumed mortgage.

Mortgage 2-1 Buydown 2027 Calculator

Calculate 2-1 mortgage buydown cost and savings for 2027 — year 1 rate cut, year 2 rate cut, seller-paid cost. Free private 2-1 buydown estimator.

2-1 Buydown Mortgage 2027 Calculator

Calculate 2-1 buydown mortgage payment 2027. Seller-paid rate reduction year 1 and 2. Free, instant.

Mortgage Buydown 2-1 vs 3-2-1 Calculator

Compare 2-1 and 3-2-1 temporary mortgage rate buydowns. Calculate seller credit needed and break-even vs permanent buydown. Free 2026 tool.

Permanent vs Temporary Mortgage Buydown Calculator

Compare permanent discount points vs temporary 2-1 buydown. Calculate break-even and lifetime savings. Free 2026 tool.

Mortgage Cosigner vs Coborrower Comparison

Compare cosigner vs coborrower mortgage strategies — DTI impact, title rights, credit liability. Free, private, browser-only.

Mortgage Curtailment Payoff Calculator 2027

Calculate mortgage curtailment 2027 — apply lump-sum principal payment to shorten loan WITHOUT changing monthly payment. Saves interest by trimming term not recasting.

Mortgage Discount Points Break-Even Calculator

Calculate exact discount points break-even months and lifetime savings using 2026 lender pricing curves. Free tool.

Early Payoff 2028 Extra Payment

Early payoff 2028 — extra $200/mo can save 5-7 years on 30yr. Calculate interest saved 2028.

Mortgage Escrow Shortage Payment Calculator

Calculate exactly how much your mortgage payment will increase from an escrow shortage. Plan ahead for tax and insurance hikes. Free 2026.

No-Cost vs Rolled-In Mortgage Fees Comparison Calculator

Compare no-cost mortgage (higher rate, lender pays fees) vs rolled-in fees (lower rate, financed). Free 2026 tool.

FHA vs Conventional 2028 Calculator

FHA vs Conventional 2028 — FHA 3.5% down + MIP for life vs Conventional 5% down + PMI. Calculate 2028 total cost.

HELOC 2028 Prime Rate Calculator

HELOC 2028 — variable rate = prime + margin. Calculate monthly interest 2028 based on projected prime.

Mortgage Insurance Cost Calculator

Calculate monthly PMI (conventional) and MIP (FHA) mortgage insurance costs based on loan size, LTV, and credit score. 2026 rates. Free, instant, private.

PMI Removal Calculator

Calculate when to remove PMI free. 80% LTV threshold, automatic at 78%, appraisal route. Private.

Jumbo Loan 2028 Conforming Limit

Jumbo loan 2028 — conforming limit projected $830,000 standard. Calculate jumbo loan premium 2028.

MIP vs PMI 15-Year vs 30-Year Mortgage Comparison

Compare FHA MIP (lifetime) vs conventional PMI (removable at 78% LTV) on 15-year vs 30-year mortgages. Free 2026 tool.

Mortgage Payment by Credit Score Calculator

Calculate mortgage rate and payment by FICO credit score tier: 760+, 740, 720, 700, 680, below. Free credit-tier mortgage calculator. Private.

Mortgage Payoff Acceleration Calculator

Calculate mortgage payoff with extra principal: bi-weekly, monthly add-on, lump sum. Free mortgage acceleration calculator. Private.

Mortgage Prepayment Calculator

Calculate mortgage prepayment savings free. Lump sum, biweekly, monthly extra. Years off + interest saved. Private.

Mortgage Payoff vs Invest Extra Calculator

Compare paying mortgage early vs investing extra cash in S&P 500. Calculate after-tax return delta and break-even rate. Free, private.

80-15-5 Piggyback vs PMI 2027 Calculator

Free 80-15-5 piggyback vs PMI calculator 2027 — second mortgage HELOC + first mortgage vs 5% down with PMI. Total monthly + lifetime cost.

Mortgage PITI Front-End DTI 2027 Calculator

Calculate front-end DTI (housing payment ÷ gross income). Most lenders cap at 28-31%.

PMI Removal Eligibility Calculator

Check if you qualify to remove private mortgage insurance (PMI) — automatic at 78% LTV, requestable at 80% LTV, plus appraisal-based removal at 75%/80%.

PMI Removal 2027 LTV Calculator

Calculate when PMI will drop off (78% LTV automatic, 80% LTV request). Free.

PMI Removal 2028 78% LTV Calculator

PMI removal 2028 — auto-cancels at 78% LTV. Calculate payments to reach PMI removal 2028.

Mortgage Points Buydown 2028 Calculator

Points buydown 2028 — each point reduces rate ~0.25%. Calculate break-even months on 2028 purchase.

Mortgage Points Buydown Calculator

Calculate the break-even point on mortgage discount points. See if paying points to lower your rate saves money based on how long you'll keep the loan. Free, instant.

Mortgage Points Calculator

Calculate mortgage discount points break-even — cost vs monthly savings, hold-time breakeven, total interest saved over loan life. Free 2026 calculator.

Mortgage Points Cost Calculator

Calculate mortgage points cost and breakeven free. Each point = 1% of loan = ~0.25% rate. Private.

Mortgage Prepayment Penalty 2027 Calculator

Calculate mortgage prepayment penalty 2027 — typically 1-5% of principal balance, declines yearly. QM loans banned penalties post-2014. Non-QM still can.

Mortgage Prepayment Penalty Cost Calculator

Calculate exact mortgage prepayment penalty cost — 80/20 of 6-month interest, percentage of balance, or interest-rate differential. Free.

Mortgage Prepayment Savings Calculator

See how much interest and how many years you save with extra monthly mortgage principal payments. Free, instant, private — no email needed.

Mortgage Prepayment vs Investment Calculator

Decide between paying extra mortgage principal vs investing the same amount. Compare interest saved vs market return, after-tax, with mortgage interest deduction.

Mortgage Quick Qualification DTI Calculator

Calculate front-end and back-end DTI ratios for FHA, VA, conventional, and jumbo mortgages. Instant pre-qual estimate. Free 2026 tool.

Mortgage Rate 2028 Projection Calculator

Mortgage rate 2028 — Fed projection 5.5-6.5% based on dot plot. Calculate monthly P&I impact of 2028 vs 2027 rates.

Mortgage Rate Buydown 1-0 Calculator

Calculate seller-paid 1-0 mortgage rate buydown savings for year 1. Compare year 1 payment vs note rate. Free, private, browser-only.

2-1 Temporary Mortgage Rate Buydown 2027 Calculator

Free 2-1 temporary mortgage rate buydown calculator 2027 — seller-paid escrow, year 1 + year 2 savings, breakeven vs permanent buydown.

2-1 Temporary Rate Buydown Calculator

Calculate the cost of a 2-1 temporary mortgage rate buydown and your year 1, year 2, and permanent payments. Compare buydown fee vs interest savings. Free 2026 tool.

Mortgage Rate Buydown Break-Even Calculator

Calculate exact break-even months for paying discount points to lower your mortgage rate. Free 2026 tool.

Mortgage Rate Buydown Cost vs Savings 2027 Calculator

Mortgage buydown 2027 cost vs savings. Permanent points, 2-1, 3-2-1 temporary buydowns. Free.

Mortgage Rate Lock Extension Cost Calculator

Calculate your mortgage rate lock extension cost and compare it to the risk of rates rising 0.25%. Enter loan amount, lock days, and fee to get an instant verdict. Free.

Rate Lock Extension Fee Calculator

Estimate the cost of extending a mortgage rate lock if your closing is delayed. Compare extension fee vs floating to a new lock at higher rates.

Rate Lock Float-Down 2027 Calculator

Calculate if a mortgage rate-lock float-down is worth the fee in 2027. Compare 30/45/60-day lock vs float-down. Free.

Mortgage Recast 2028 vs Refinance

Recast vs refinance 2028 — recast keeps rate, lowers payment via lump sum. Calculate 2028 monthly savings.

Mortgage Recast After Bonus Payment Calculator

Calculate exact monthly payment reduction from recasting your mortgage after a bonus, inheritance, or sale proceeds. Free 2026 tool.

Mortgage Recast Savings Calculator

Calculate new monthly payment and total savings from recasting your mortgage after a lump-sum principal payment. Free, private, instant — no email or signup.

Mortgage Recast vs Extra Principal Payment Calculator

Compare mortgage recast (lower payment, same term) vs extra principal (same payment, shorter term). Find which saves more. Free 2026 tool.

Mortgage Recast vs Refinance 2027 Calculator

Compare mortgage recast vs refinance 2027 — recast resets payment with lump sum (low cost ~$250) vs refi (full closing costs). Same rate vs new rate trade-off.

Mortgage Recast vs Refi Calculator

Compare mortgage recast (re-amortize after lump-sum) vs full refinance for lowering payment in 2027. See savings, fees, and break-even.

Mortgage Recast vs Refinance Comparison

Compare mortgage recast (re-amortize after lump-sum principal) vs refinance (new loan at new rate). See payment, total interest, and closing cost differences.

Mortgage Recast vs Refinance

Compare mortgage recast vs refinance — recast keeps rate + low fees, refi changes rate. Recast best if rates dropped little.

Mortgage Recast vs Refinance 2027 Calculator

Compare mortgage recast (re-amortize without new loan) vs refinance for 2027 — recast saves closing costs but keeps your rate; refi resets term + rate.

Mortgage Recasting vs Curtailment Comparison 2027

Compare mortgage recasting (resets monthly payment) vs curtailment (keeps payment, shortens term) 2027 — different math, different goals.

Mortgage Recasting vs Refinance vs Extra Payment Calculator

Compare mortgage recasting vs refinancing vs extra principal payments. See monthly savings, total interest saved, and payoff time for each. Free, private.

Mortgage Refinance 2028 Break-Even

Refinance 2028 — calculate break-even months when refinancing in 2028 vs holding existing rate.

Cash-In vs Cash-Out Refinance Comparison

Compare a cash-in refinance (write check at closing to lower LTV) vs cash-out refinance (extract equity). See payment, rate, and lifetime cost.

VA IRRRL & FHA Streamline Refinance 2027 Calculator

Free VA IRRRL + FHA Streamline 2027 refinance calculator — minimal docs, no appraisal, breakeven months, total savings vs traditional refinance.

USDA Loan 2028 Eligibility Calculator

USDA 2028 — 100% financing rural areas, income limit ~115% AMI. Calculate eligibility 2028.

VA Loan Funding Fee 2028 Calculator

VA Loan 2028 — funding fee 2.15-3.6% on loan amount. Calculate VA funding fee 2028.

No-Closing-Cost Mortgage Tradeoff 2027 Calculator

No-closing-cost mortgage 2027: lender absorbs $3-10K closing costs in exchange for 0.25-0.5% higher rate. Breakeven 4-7 years — best for sho... Free.

No Closing Cost vs Lender Credit Mortgage 2027 Calculator

Compare no-closing-cost mortgages vs lender-credit mortgages for 2027. Find the breakeven year where the higher rate exceeds upfront savings. Free, private.

No-Cost Refi Break-Even Calculator

Compare standard refinance vs no-cost (lender credit) refinance. Higher rate trades for $0 closing — see when each wins based on hold period.

No-Doc Mortgage Rate Premium Calculator

Calculate the rate premium and lifetime cost of no-doc / stated-income mortgages vs full-doc. Bank statement, asset-only, P&L-only options.

Non-Occupant Co-Borrower FHA 2027 Calculator (Parent Co-Sign)

Calculate FHA loan qualification with a non-occupant co-borrower (parent, family) in 2027. See blended DTI, loan amount boost, and family-gift rules. Free.

Non-QM Bank Statement Loan Calculator

Estimate non-QM bank statement mortgage rates, down payment, and qualifying income from 12 or 24 months of bank deposits. Built for self-employed borrowers.

Non-QM Bank Statement Loan 2027

Calculate non-QM bank statement loan 2027 — self-employed use 12-24 months bank deposits as income proof. Higher rate (1-2%) but no tax returns.

Non-QM Bank Statement Mortgage Calculator

Calculate income for bank statement loans (non-QM). 12 or 24 month average deposits, expense ratio, eligibility for self-employed borrowers.

Non-QM Loan Calculator

Calculate Non-QM loan payment and qualification: bank statement, asset depletion, P&L only, no-ratio loans for self-employed. Free Non-QM mortgage calculator. Private.

Non-Warrantable Condo Loan Calculator

Compare conventional warrantable vs non-warrantable condo loan costs. Portfolio loan rates, higher down payment, monthly payment impact. Free.

Non-Warrantable Condo Mortgage Rate Calculator

Calculate non-warrantable condo loan rate premium vs warrantable: 25% down minimum, portfolio lenders, 0.75-1.5% rate uplift. Free 2026 tool. Private.

Physician/Doctor Mortgage Loan Calculator

Calculate physician/doctor mortgage loan: 0-5% down, no PMI, includes student loans deferred. Free physician mortgage calculator for MDs, dentists, residents. Private.

Physician Loan vs Conventional Comparison

Compare physician doctor loan (0-5% down, no PMI, deferred student loans) vs conventional 20% down for doctors and dentists in 2026.

PMI vs MIP Comparison Calculator

Compare PMI (conventional) vs MIP (FHA) mortgage insurance. Cost, removal, lifetime impact. Private.

Portfolio Loan vs Non-QM Rate Comparison Calculator

Compare portfolio loans (held by lender) vs non-QM mortgages. Calculate rate premium, fees, and lifetime cost. Free 2026 tool.

Portfolio Loan vs Conforming Comparison 2027

Compare portfolio loan vs conforming loan 2027 — portfolio (bank-held, flexible underwriting) vs conforming (Fannie/Freddie, standardized). Self-employed often need portfolio.

Portfolio Loan vs Conforming

Compare portfolio loan (bank holds, custom terms) vs conforming (Fannie/Freddie). When portfolio worth premium pricing.

Portfolio Loan vs Conventional Mortgage Calculator

Compare portfolio loans (lender keeps on books) vs conventional Fannie/Freddie mortgages. Rate, fees, DTI flexibility, and lifetime cost. Free, instant.

Portfolio Mortgage vs Conforming Loan 2027 Calculator

Compare portfolio mortgage (bank-held) vs conforming loan (Fannie/Freddie eligible) for 2027. See rate premium, flexibility, DTI tolerance, and total cost. Free.

Principal Curtailment Savings Calculator

Calculate principal curtailment interest savings free. Lump sum, recurring extra payment, monthly vs annual. Private, no email.

Private Money Lender Cost

Calculate private money loan true cost — 8-15% interest, 2-4 points, balloon payments. For investors.

Private Mortgage Insurance Removal Calculator

Calculate when PMI can be removed free. 80% LTV via paydown or appreciation, HPA automatic cancellation, savings. Private.

2-1 Rate Buydown Calculator

Calculate cost and monthly savings from a 2-1 temporary rate buydown — rate drops 2% year 1, 1% year 2, then full rate. Funded by seller or lender credit.

3-2-1 Temporary Rate Buydown 2027 Calculator

Calculate 3-2-1 temporary rate buydown 2027 — seller funds 3 years of reduced rate (3%, 2%, 1% below note rate). Affordability vs cost trade-off.

Mortgage Recast vs Refinance Calculator

Compare mortgage recast vs refinance: lower payment via lump sum vs new loan. Free 2026 lump-sum prepayment tool. Private.

Refinance Break-Even Calculator

Calculate exact months until refinance savings recover closing costs. Standard rule: break-even should be under 24 months for short-hold borrowers.

203(k) vs HomeStyle Renovation Loan 2027 Calculator

Compare FHA 203(k) vs Fannie Mae HomeStyle renovation loans for 2027 — down payment, MI, contingency, and total cost. Free private renovation loan comparison calculator.

Reverse Mortgage Line of Credit Growth Calculator

Calculate reverse mortgage (HECM) line of credit growth — unused credit grows annually at note rate. Free 2026 tool.

Reverse Mortgage Non-Borrowing Spouse Calculator

Calculate reverse mortgage payout impact when only one spouse signs. Eligible vs ineligible spouse rules. Free, private.

Reverse Mortgage Payment Calculator

Estimate FHA HECM reverse mortgage proceeds based on age, home value, and current rates. See lump sum, monthly tenure payment, or line of credit options. Free, instant.

Roth Conversion vs Mortgage Payoff Calculator

Compare Roth conversion vs paying off your mortgage. Enter liquid cash, tax rate, mortgage balance, and expected return to see 30-year wealth and get a clear verdict. Free.

Second Home vs Investment Property Rate Calculator

Compare second home vs investment property mortgage rates and down payment. Second home = 10% down, low premium; investment = 25% down, +0.5-0.75%.

Self-Employed Bank Statement Mortgage Qualifier

Calculate qualifying income for a bank statement mortgage. Compares 12-month vs 24-month deposit averaging. Free 2026 tool.

2-1 Temporary Buy-Down Calculator (Seller-Paid)

Calculate the cost and monthly savings of a 2-1 temporary buy-down. See years 1, 2, 3+ payments, total seller credit needed, and lifetime cost vs permanent points. Free.

Seller Financing Imputed Interest Calculator

Calculate IRS imputed interest on seller-financed mortgage below Applicable Federal Rate (AFR). Free §1274 + §483 calculator. Private.

Seller Financing Wraparound Mortgage Calculator

Calculate the net cash flow to seller on a wraparound mortgage: buyer's payment minus seller's underlying loan payment. See arbitrage spread and risk. Free.

Shared Equity Mortgage Calculator

Calculate shared equity / home equity investment cost free. Point HEI, Unison HomeOwner, share of appreciation, payoff cost. Private.

Silent Second Down Payment Assistance (DPA) 2027 Calculator

Calculate silent second DPA (down payment assistance) 2027: forgiveness schedule, total effective help, and net cost if you sell early. Free, private.

1-1-1 Temporary Rate Buydown Calculator 2027

Calculate 1-1-1 temporary mortgage rate buydown 2027 — seller funds 1% rate reduction year 1, 1% off year 2, then permanent rate. Common builder/seller concession.

US 2028 Construction Loan

Calculate 2028 construction loan: interest-only during build phase + conversion to 30-year mortgage. Single-close avoids double closing costs.

US 2028 FHA MIP Removal

Calculate when refinancing FHA → conventional saves money by removing MIP. 2028 rates + remaining balance + MIP cost analysis.

US 2028 Mello-Roos Tax

Calculate California Mello-Roos special tax 2028. Add-on to base property tax in newer developments. Typically $1,500-$6,000/year for 20-40 years.

US 2028 Mortgage Acceleration

Compare 2028 biweekly mortgage payments (26 half-pays = 13 monthly equivalents) vs paying extra principal monthly. Both shave 4-8 years.

US 2028 No-Closing-Cost Refi

Calculate hidden cost of 'no-closing-cost' refi: lender adds 0.25-0.5% to rate to absorb $3,000-$6,000 closing costs. Break-even calc.

US 2028 PMI Removal

Calculate when your PMI auto-cancels at 78% LTV (vs 80% manual request). Based on 2028 home value + remaining mortgage balance + monthly payment.

US 2028 Private Money Rate

Calculate cost of 2028 private money / hard money lending: 10-15% interest + 2-5 points + 6-12 month terms. Typical for fix-and-flip + bridge loans.

US 2028 Rate Buy-Down Points

Calculate ROI of buying down 2028 mortgage rate with discount points. 1 point = 1% loan amount = typically 0.25% rate reduction.

US 2028 VA IRRRL Streamline

Calculate VA IRRRL (Interest Rate Reduction Refinance Loan) savings. Lower 2028 rate, no appraisal, no income docs, lower funding fee 0.5%.

USDA Guarantee Fee 2027 Calculator

Calculate USDA guarantee fee for 2027 — 1.00% upfront + 0.35% annual. Free private USDA Section 502 fee calculator with monthly breakdown and total lifetime cost.

USDA Loan vs Conventional Comparison Calculator

Compare USDA zero-down loan vs conventional 5% down. Includes guarantee fees, PMI, and lifetime cost. Free 2026 tool.

USDA Rural Development Loan 2027 Calculator

Calculate USDA Section 502 Guaranteed loan 2027 — 0% down for rural homes, 1% upfront guarantee fee, 0.35% annual fee. Income limits apply.

USDA Rural Loan 2027

Check USDA rural development loan eligibility — 100% financing, no down payment, income + property location requirements.

USDA Rural Loan Eligibility Income 2027 Calculator

Check USDA rural loan eligibility for 2027 — adjusted income limit, household size, county thresholds. Free private USDA income calculator with deductions.

USDA vs FHA vs VA Loan 2027 Comparison

Compare government-backed loan programs 2027 — USDA (0% down rural), FHA (3.5% down anywhere), VA (0% down for veterans). See which fits your situation.

VA Funding Fee Calculator

Calculate VA loan funding fee for first-use vs subsequent-use, plus disabled veteran exemption. 2026 schedule per VA.

VA Loan Eligibility Calculator

Check VA loan eligibility based on service period, entitlement remaining, and home price. 2026 baseline conforming limit $806,500. See your max no-down-payment loan. Free, instant, private.

VA Loan Funding Fee 2027

Calculate VA loan funding fee — first-time use 2.15%, subsequent 3.3%. Disabled veterans exempt. Reservists pay slightly more.

VA Loan Funding Fee 2027 Refund Calculator

Calculate your VA funding fee refund for 2027 — disability rating, retroactive eligibility, IRRRL credits. Free private VA refund estimator with 2027 rates.

VA Loan Second Tier Entitlement 2027 Calculator

Calculate VA second-tier (bonus) entitlement for 2027 — second VA loan without selling first. Free private calculator using 2027 county loan limits and remaining entitlement.

Wraparound Mortgage Calculator

Calculate wraparound mortgage cashflow — seller financing on top of underlying mortgage. Buyer's payment, seller's net, due-on-sale risk.