All Calculators

Raw · Unimproved · Improved Land · Balloon Payment Estimator Mortgage Calculator For Land Land financing doesn’t work like a home mortgage — bigger down payments, higher rates, shorter terms, and often a balloon payment lurking at the end. This calculator adjusts for all of it based on what kind of land you’re actually buying.

Real Rate Premium · Combined DTI Check · Occupancy Rules · 14-Day Tax Rule Mortgage Calculator For Second Home See what a vacation or second home really costs on top of your existing mortgage — the actual rate premium over a primary residence, your combined debt-to-income across both loans, and whether your plans for the

Financing + Real ROI Analysis · DSCR · Cap Rate · Cash-on-Cash Investment Property Mortgage Calculator Most calculators stop at your monthly payment. This one goes further — DSCR, cap rate, cash-on-cash return, and true monthly cash flow after vacancy, management, and maintenance, so you can tell if a rental deal actually works before you

28/36 Rule · 25% Take-Home Rule · Salary Multiplier — Side by Side Mortgage Calculator By Income Enter your income once, in whatever pay frequency you actually get paid in, and see three different answers to “how much house can I afford” — the lender’s 28/36 rule, the conservative 25% take-home rule, and the quick

Affordability-First · FHA/VA/USDA/Conventional 3% · MCC Tax Credit Estimator First-Time Home Buyer Mortgage Calculator Instead of picking a home price and hoping the math works, start with your income and see what you can actually afford — across FHA, VA, USDA, and Conventional 3% programs, plus your potential Mortgage Credit Certificate tax credit. Reviewed for

Chattel vs. Real Property · Lot Rent · FHA Title I & II Limits Mortgage Calculator For Manufactured Home Compare a chattel loan against a real property mortgage on the same manufactured home, factor in monthly lot rent if you’re on leased land, and see your true monthly cost either way — not just a

5/6 · 7/6 · 10/6 ARM · SOFR + Margin · Rate Cap Modeling Adjustable Rate Mortgage Calculator Model your ARM’s intro payment, then see exactly what happens at the first adjustment and over the life of the loan under your real rate caps — best case, expected case, and the worst case you should

2026 Guarantee Fee · Zero-Down Math · Income Eligibility Check USDA Mortgage Calculator See your real USDA loan payment — the 1% upfront guarantee fee, the 0.35% annual fee, and a full PITI breakdown — plus a quick check on whether your household income fits USDA’s 115% area median income rule. Reviewed for accuracy: August

2026 PMI Rate Tiers · Cancellation Timeline · Now Tax-Deductible Mortgage Calculator With PMI See your real monthly private mortgage insurance cost by credit score and down payment, your full PITI + PMI payment, and the exact month PMI can legally disappear — both the date you can request it and the date your lender

Extra Payments · Lump Sum · Annual Bonus Payment Mortgage Calculator With Extra Payments & Lump Sum Stack a recurring extra monthly payment, a one-time lump sum, and an annual bonus payment on top of your normal mortgage — then see your exact new payoff date and how much interest disappears. Real amortization math, not