Mortgage Calculators

Run the Numbers.

Educational tools for affordability, payments, buydowns, refinancing, DSCR, closing costs and early payoff. Actual qualification and pricing require a complete loan review.

How Much Home Can I Afford?

Gross monthly income

Monthly debts

Interest rate %

Down payment %

Annual property tax %

Monthly homeowners insurance

Monthly HOA

Target total DTI %

Enter your assumptions

Then calculate an estimated purchase price.

Monthly Mortgage Payment

Purchase price

Down payment $

Interest rate %

Loan term years

Annual property taxes $

Annual homeowners insurance $

Monthly HOA $

Payment estimate

Temporary Buydown Calculator

Loan amount

Note rate %

Loan term years

Buydown structure

Buydown payment comparison

Refinance Break-Even Calculator

Current loan balance

Current rate %

New rate %

Comparison term years

Estimated closing costs

Refinance estimate

DSCR Calculator

Gross monthly rent

Purchase price

Down payment $

Interest rate %

Loan term years

Annual property taxes

Annual insurance

Monthly HOA

DSCR estimate

Florida Buyer Closing Cost Estimator

Purchase price

Loan amount

Estimated lender costs % of loan

Title/appraisal/third-party estimate

Prepaids / escrows estimate

Other buyer costs

Closing-cost estimate

Extra Payment / Early Payoff

Current principal balance

Interest rate %

Years remaining

Extra monthly principal

Early-payoff estimate

Want Actual Loan Numbers?

Calculator results are only estimates. Michelle can review the borrower, property and loan program.

Get Pre-Approved Ask Michelle