Mortgage Calculators
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Calculator estimates are educational. A real mortgage professional can review your circumstances, documentation and lender requirements. A scenario review is not a loan approval or a guarantee of terms.
210 Mortgage | NMLS #219381
Make sense of your mortgage numbers. Choose a tool based on the question you are trying to answer, then explore the assumptions behind the result. Results are available without providing contact information.
Educational estimates, not a loan approval or rate offer. User-entered rates are hypothetical or quoted scenario inputs. Underwriting, program availability and lender requirements can change the result.
Buying a Home
Plan the down payment, closing funds and costs of owning compared with renting.
Mortgage Affordability Calculator
Model a home-price ceiling using your income, debt target, cash down payment and housing-cost assumptions.
Open Mortgage Affordability CalculatorDown Payment Calculator
Compare cash down-payment amounts, loan sizes and P&I at several percentages for the same home.
Open Down Payment CalculatorClosing Cost Calculator
Build a closing-cost estimate from quoted fees, points, prepaids and escrow deposits rather than a guessed percentage.
Open Closing Cost CalculatorCash-to-Close Calculator
Estimate purchase closing cash after your down payment, charges, confirmed credits and deposits already paid.
Open Cash-to-Close CalculatorRent vs. Buy Calculator
Use this rent vs. buy calculator to model housing costs, sale proceeds and invested cash under the same household budget. Test your own growth assumptions instead of assuming ownership always wins.
Open Rent vs. Buy CalculatorMortgage Assumption Calculator
Model the purchase equity gap, assumed-loan payment and a separate hypothetical supplemental loan.
Open Mortgage Assumption CalculatorPayment & Qualification
Understand housing payments, debt ratios, loan balances and mortgage insurance.
Mortgage Payment Calculator
Estimate principal, interest, taxes, insurance, HOA and quoted mortgage insurance in one monthly housing payment.
Open Mortgage Payment CalculatorDebt-to-Income Calculator
Compare monthly housing and debt obligations with gross monthly income.
Open Debt-to-Income CalculatorLTV and CLTV Calculator
Calculate first-lien LTV, combined drawn-balance CLTV and HCLTV including the full HELOC credit limit.
Open LTV and CLTV CalculatorMortgage Amortization Calculator
See how fixed mortgage payments divide between principal and interest and how the balance declines over time.
Open Mortgage Amortization CalculatorMortgage Payoff Calculator
Compare scheduled payoff with extra principal and an accelerated biweekly-equivalent savings plan.
Open Mortgage Payoff CalculatorPMI Cost and Cancellation Calculator
Estimate quoted PMI cost and scheduled original-value balance milestones for potential cancellation review.
Open PMI Cost and Cancellation CalculatorInterest-Only Mortgage Calculator
Estimate interest-only payments and the amortizing payment when the interest-only period ends.
Open Interest-Only Mortgage CalculatorARM Payment Reset Calculator
Model the first ARM reset using your note’s index, margin, floor and first-adjustment and lifetime caps.
Open ARM Payment Reset CalculatorStudent Loan Mortgage Planning Calculator
Compare actual student-loan cash payments with a documented mortgage qualifying payment and its DTI impact.
Open Student Loan Mortgage Planning CalculatorVA, FHA & Government Loans
Model government-backed financing costs and VA-specific calculations; program eligibility needs a separate review.
FHA Mortgage Calculator
Estimate a FHA purchase payment, upfront program fee and loan balance using clear quote-based assumptions.
Open FHA Mortgage CalculatorVA Mortgage Calculator
Estimate a VA purchase payment, upfront program fee and loan balance using clear quote-based assumptions.
Open VA Mortgage CalculatorUSDA Mortgage Calculator
Estimate a USDA purchase payment, upfront program fee and loan balance using clear quote-based assumptions.
Open USDA Mortgage CalculatorVA Entitlement Calculator
Estimate partial-entitlement guaranty and a 25%-coverage purchase gap using a verified COE and county limit.
Open VA Entitlement CalculatorVA Residual Income Calculator
Estimate income remaining after entered deductions and obligations using verified VA tables.
Open VA Residual Income CalculatorFHA vs Conventional Calculator
Compare FHA and conventional purchase quotes, including FHA upfront MIP, quoted monthly insurance and holding-period cost.
Open FHA vs Conventional CalculatorRefinancing & Home Equity
Compare refinance costs, equity access and debt repayment scenarios.
Refinance Break-Even Calculator
Use this refinance break-even calculator to model a rate-and-term refinance with cash-paid and financed costs. Compare simple payment break-even with a balance-aware result over your holding period.
Open Refinance Break-Even CalculatorCash-Out Refinance Calculator
Estimate refinance proceeds after payoffs and costs, then test the resulting loan against your verified LTV ceiling.
Open Cash-Out Refinance CalculatorHELOC Payment Calculator
Model interest-only draw payments, daily interest and an amortizing repayment payment on a home-equity line.
Open HELOC Payment CalculatorHome Equity Loan Calculator
Estimate a fixed second-mortgage payment, financing cost and combined LTV while preserving your first mortgage.
Open Home Equity Loan CalculatorDebt Consolidation Calculator
Compare a modeled existing debt payoff plan with a new amortizing consolidation loan, including financed fees.
Open Debt Consolidation CalculatorBlended Mortgage Rate Calculator
Calculate a balance-weighted note rate for up to three loans and compare it with a proposed replacement rate.
Open Blended Mortgage Rate CalculatorHome Equity Calculator
Separate total property equity from modeled borrowing headroom under your chosen combined-LTV ceiling.
Open Home Equity CalculatorPrepayment Penalty vs Rate Calculator
Compare two otherwise equal fixed loans when a lower-rate quote includes a penalty at your modeled exit date.
Open Prepayment Penalty vs Rate CalculatorReal Estate Investors
Distinguish rent-to-housing coverage, operating cash flow, returns and project costs.
DSCR Calculator
Compare qualifying rent with monthly PITIA and model rent needed for selected ratios.
Open DSCR CalculatorRental Property Cash Flow Calculator
Estimate rental operating income and cash flow after debt service, vacancy, operating costs and replacement reserves.
Open Rental Property Cash Flow CalculatorRental Property Investment Return Calculator
Compare cap rate, first-year cash-on-cash return and modeled holding-period return including sale costs and loan paydown.
Open Rental Property Investment Return CalculatorBRRRR Calculator
Model cash invested, refinance proceeds, cash left in the property and rental cash flow after stabilization.
Open BRRRR CalculatorFix and Flip Calculator
Estimate project profit after purchase, renovation, holding costs, interest, points and sale expenses.
Open Fix and Flip CalculatorShort-Term Rental Calculator
Test booking revenue, operating cash flow and a separate gross-income/PITIA ratio using explicit rent-adjustment assumptions.
Open Short-Term Rental CalculatorCommercial DSCR Calculator
Calculate NOI-based debt-service coverage and supported principal using an entered coverage target and annual debt service.
Open Commercial DSCR CalculatorDSCR Cash-Out Refinance Calculator
Estimate rental refinance cash after costs, compare LTV and DSCR constraints, and plan funds for your next investment.
Open DSCR Cash-Out Refinance CalculatorSelf-Employed & Alternative Income
Organize income scenarios from tax returns, bank statements and other sources; lender acceptance is separate.
Self-Employed Income Calculator
This self-employed income calculator compares borrower-attributable business income across two completed years and a current YTD period. This models adjusted averages and trends; it does not determine qualifying income.
Open Self-Employed Income CalculatorBank Statement Income Calculator
Model reviewed bank-deposit income with excluded deposits, business expenses and ownership assumptions instead of a universal expense factor.
Open Bank Statement Income CalculatorProfit and Loss Income Calculator
Convert period revenue and business expenses into net profit, monthly pace and a clearly labeled annualized scenario.
Open Profit and Loss Income CalculatorSchedule C Income Calculator
Build a single-year adjusted Schedule C worksheet with itemized reviewed additions and required subtractions.
Open Schedule C Income CalculatorSchedule E Rental Income Calculator
Model a reviewed single-property Schedule E cash-flow worksheet and subtract current housing obligations once.
Open Schedule E Rental Income CalculatorK-1 and Pass-Through Income Calculator
Compare attributed ordinary business income, reviewed adjustments, separate wages and actual cash distributions.
Open K-1 and Pass-Through Income CalculatorBonus Commission and Overtime Income Calculator
Compare historical variable-income averages with current YTD pace and identify changes that need documentation.
Open Bonus Commission and Overtime Income CalculatorNontaxable Income Gross-Up Calculator
Model a lender-reviewed gross-up on confirmed nontaxable income and keep it separate from cash actually received.
Open Nontaxable Income Gross-Up CalculatorJumbo & High-Net-Worth
Review reserves, asset-based scenarios and retirement financing; jumbo pricing and eligibility remain lender specific.
Mortgage Reserve Calculator
Use this mortgage reserve calculator to subtract closing withdrawals and compare remaining eligible assets with a reserve target measured in housing-payment months.
Open Mortgage Reserve CalculatorAsset Depletion Calculator
Convert lender-reviewed eligible assets into a modeled monthly income stream after closing withdrawals and required deductions.
Open Asset Depletion CalculatorRetirement Income Calculator
Combine recurring retirement income and test how planned account distributions affect an illustrative cash runway.
Open Retirement Income CalculatorReverse Mortgage Proceeds Calculator
Reconcile a lender-quoted principal limit with required payoffs, costs and set-asides to model potentially available proceeds.
Open Reverse Mortgage Proceeds CalculatorMortgage Planning & Comparison
Compare loans, points, temporary buydowns and construction or renovation funding.
Mortgage Points Calculator
Use this mortgage points calculator to compare two rates for the same loan and term. Compare upfront points, payment savings and both cash-flow and balance-aware break-even estimates.
Open Mortgage Points CalculatorTemporary Buydown Calculator
This temporary buydown calculator compares 1-0, 2-1 and 3-2-1 schedules, including the estimated fund needed and the payment after the subsidy ends.
Open Temporary Buydown CalculatorPhysician Loan Comparison Calculator
This physician loan comparison calculator compares fixed-rate quote assumptions for the same home, including upfront cash, mortgage insurance, VA funding fees and financing costs over your holding period.
Open Physician Loan Comparison CalculatorMortgage Loan Comparison Calculator
Compare two fixed-rate loan quotes by monthly outflow, fees, remaining debt and holding-period financing cost.
Open Mortgage Loan Comparison CalculatorConstruction Loan Interest Calculator
Estimate interest on staged construction draws and see how timing changes the monthly carrying cost.
Open Construction Loan Interest CalculatorConstruction Budget Calculator
Build a project budget with land, construction, soft costs, contingency and carrying reserves, then compare available financing.
Open Construction Budget CalculatorRenovation Loan Budget Calculator
Estimate purchase-plus-renovation uses, contingency, proposed financing and cash needed against an as-completed value.
Open Renovation Loan Budget CalculatorWhich calculator should I use?
Start with a mortgage payment calculator to estimate a monthly housing cost. Affordability and debt-to-income tools examine a different question: how that cost fits within your budget and obligations. Neither establishes that a lender will approve the loan.
For a purchase, separate the down payment from closing costs and prepaid expenses, then estimate cash to close. For refinancing, compare total financing costs, remaining balances and how long you plan to keep the mortgage. A lower monthly payment can accompany a longer term and greater total interest.
Investors should choose the method that matches their question. Gross-rent/PITIA DSCR differs from a commercial NOI-to-debt-service ratio. Cash flow and return calculations also account for operating expenses, reserves and invested cash.
Income worksheets help organize reviewed figures. They do not replace tax-return analysis, documentation, business stability review or lender-specific treatment of income and assets.
Get more useful results
- Gather the current loan statement, property costs, income documents or lender quote relevant to the tool.
- Check whether each field asks for an annual amount, a monthly amount, a dollar figure or a percentage.
- Change one assumption at a time to compare scenarios. Read the calculation method and limitations below the tool.
- Ask for a review when the decision depends on eligibility, property type, verified income, taxes, insurance or program rules.
Mortgage education
Use the calculators alongside these guides:
210 Mortgage calculators are educational tools. Estimated payments may change with taxes, insurance, mortgage insurance, HOA dues, loan terms and lender requirements. Keep the site’s licensing and mortgage disclosures visible.