Run your own numbers

Mortgage calculators, no strings.

Estimates for orientation — your real numbers depend on your full scenario, and those take Carl about fifteen minutes. Nothing here is a quote or a commitment to lend.

Monthly Payment (PITI)

Principal + interest + taxes & insurance.

Home price Down payment Rate (%) Term (years) Taxes + insurance / mo

Estimated payment $—

How Much House Can I Afford?

Uses a standard debt-to-income ceiling on your gross income.

Gross household income / mo Monthly debts (cards, cars, loans) Down payment saved Rate (%)

Rough price range $—

Assumes ~43% total DTI and ~1.4% of price/yr for taxes+insurance. Programs differ — DPA can raise this.

DSCR Calculator

Does the rent cover the payment? 1.00+ is the usual bar.

Monthly rent Principal & interest / mo Taxes / mo Insurance / mo HOA / mo

DSCR —

Full picture on the DSCR loan page.

VA Funding Fee

One-time fee, usually financed into the loan. Disabled veterans are typically exempt.

Loan amount Down payment Use of benefit Fee-exempt (service-connected disability)?

Estimated funding fee $—

Current statutory rates; verify your exact status with Carl before relying on this.

Rent-vs-buy, FHA MIP, refinance breakeven and extra-payment payoff calculators are on the way. Want your real numbers? Two-minute check — no SSN, no credit pull.