Mortgage Tools

Mortgage Calculators

Run the numbers before you talk to a lender. Free calculators for purchase, refinance, affordability, and more — all powered by the same pricing engine we use for real loans. Licensed in Colorado, Texas, Kansas, and Missouri.

Available now

Our full-depth tools — the ones we use with real borrowers.

Purchase Mortgage Calculator

Payment and qualification estimates

Estimated full payment, preliminary qualification, and pricing for buying a home. Conventional, FHA and VA, using the latest rate sheet available to the calculator.

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Refinance Savings Calculator

Full savings analysis

Compare your current loan against a refinance. See monthly savings, break-even timeline, and lifetime interest savings.

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Conforming Loan Limits Lookup

2026 FHFA data

2026 county-level conforming loan limits for 1–4 unit properties. Find out if your purchase qualifies as conforming or jumbo.

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When can I buy again?

Bankruptcy, foreclosure, short sale

After a bankruptcy, foreclosure, short sale or deed-in-lieu, find the date you’re eligible to apply.

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More calculators coming soon

Specialized calculators, each answering one specific question.

Basic Mortgage Payment
Quick PITI breakdown — price, down payment, rate, term.
Affordability Calculator
How much house can you afford on your income?
Amortization Schedule
See exactly how each payment splits between principal and interest over the life of the loan.
FHA Loan Calculator
FHA-specific math: 3.5% down, MIP, county loan limits.
VA Loan Calculator
VA-specific: zero down, funding fee, disabled veteran exemption.
Down Payment Calculator
How much you need to save by loan type and price point.
Debt-to-Income Calculator
Calculate your DTI and see what ratios qualify for each loan program.
ARM vs Fixed Calculator
Side-by-side comparison: 30-year fixed vs 5/1 ARM across rate scenarios.

Want to run the numbers now? The full purchase calculator covers all of these scenarios today.

Why our calculators are different

Most online mortgage calculators use a rough interest rate and a simplified tax formula. Ours don’t. Every calculator on this site runs on the same pricing engine we use to quote real loans — wholesale lender rates, actual LLPA pricing adjustments, state-specific tax and insurance estimates, and real FHA MIP / VA funding fee math.

Results are estimates based on the details you enter and the rate sheet available to the calculator. Your final payment and APR depend on verified loan terms, property expenses, and eligibility. Review your Loan Estimate with Rich before deciding.

Every calculator is free, anonymous, and doesn’t require a credit pull to get a realistic estimate. When you’re ready for a personalized rate and pre-qualification, book a 15-minute call with Rich.