Free calculators built on the same math a lender runs. No signup and no email wall.
Your full payment, your debt-to-income ratio, and whether it fits the guidelines for the loan you are using.
Your full VA payment, DTI, and the VA residual income test, worked the way a lender runs it.
Run my numbersYour full FHA payment with mortgage insurance, and where your DTI lands against FHA guidelines.
Run my numbersYour full payment with PMI, when PMI ends, and where your DTI lands for Fannie and Freddie.
Run my numbersCash to close, the paperwork, and the payoff.
Type in any address and see your cash to close line by line, laid out like a Loan Estimate.
Run my numbersClick any box on a real Loan Estimate and get a plain-English read on what it means and what to check.
Read the guideTell it when you closed, add extra principal each month, and see the interest you save and the month your loan is gone.
Run my numbersThe ones that come up on almost every VA file.
How much entitlement you have left and the biggest price you can buy with $0 down.
Run my numbersAny disability rating, any state. What happens to your property tax bill, and what it means for your loan.
See my stateBuild your one-time close loan amount, including the costs most construction calculators leave out.
Run my numbersEvery tool checks the actual guideline a lender checks, not a rough rule of thumb.
Residual income and DTI for VA, entitlement and county limits for a second VA loan, MIP and DTI guidelines for FHA, and PMI pricing and DTI for conventional.
No signup and no email wall, and your numbers never get saved or sent anywhere. Open a calculator, type your numbers, get your answer.
These are the same checks Joshua Payne, NMLS 1515413, runs on real files every day at Payne Home Loans.
When you are ready for exact numbers on a real house, get them from a licensed loan officer who does this every day.