Buying a house
Build a payment and cash-to-close picture before choosing a price range.
Estimate affordabilityMortgage Calculators
Run the numbers before you make the next move. Explore payments, purchase budgets, refinancing and home equity, then bring your assumptions to our team for a strategy conversation.
Choose the question you want to answer
What might the full payment be? How much house feels comfortable? Does refinancing make sense? Start with the calculator that matches your goal. The results are a planning tool, not a rate quote or approval.
Your starting point
Estimate first. Decide with the full picture.
Replacing a mortgage
Compare payments and refinance costs using realistic assumptions.
Compare a refinanceUsing home equity
Review the combined borrowing picture before adding another balance.
Compare equity scenariosChoose a loan calculator
Conventional Loan Calculator
Estimate your monthly PITI (principal, interest, taxes, insurance) mortgage payment to get an idea.
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Refinance Calculator
Is refinancing is right for you? Enter the details of your current home loan & new loan to estimate savings.
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FHA Loan Calculator
Estimate an FHA payment including principal, interest, taxes, home insurance and mortgage insurance.
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VA Loan Calculator
Veteran or Active Duty? Use our easy VA home loan calculator to estimate payments.
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Home Affordability Calculator
Use our home affordability calculator to budget what you could comfortably spend.
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Debt-to-Income Calculator
Compare monthly housing and debt payments with gross income to plan your next mortgage conversation.
Open calculatorMore calculators to Estimate and Plan
Use these topic-specific calculators to explore a scenario, then bring the numbers to our team for a personalized review.
Seller Concessions Calculator
Separate the program ceiling from credit usable toward entered closing costs.
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Reverse Mortgage Planning
Explore a HECM planning estimate and the remaining equity illustration.
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HELOC / Home Equity
Compare blended interest rates and optional debt-consolidation balances.
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All-in-One Comparison
Compare cash-flow assumptions, interest costs and payoff timing.
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Investment Property / DSCR
Estimate rental coverage against principal, interest, taxes, insurance and dues.
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Fix & Flip Project
Visualize acquisition, renovation, financing, holding and selling costs.
Open calculator →What the numbers can and cannot tell you
A calculator can show how a down payment, rate or term changes an estimate. It cannot establish eligibility, property approval or a complete cash-to-close figure. Include taxes, homeowners insurance, mortgage insurance where applicable, HOA dues and any property-specific assessments in your planning.
Smart home financing starts with strategy
Buying or refinancing? We compare options across our network of 150+ wholesale lenders, explain the trade-offs, and build a plan around your goals. Start with a pre-approval video conversation so you know what to expect before moving forward.
Loan Option Guides
Compare home purchase, refinance, equity and specialty financing paths. Start with the guide that fits your goal, then review the borrower and property requirements.
All-in-One Loan / Wealth Builder
Explore first-lien HELOC financing that pairs home debt with cash-flow account features, compare daily-balance interest, deposits, withdrawals and repayment discipline.
Investment Property Loans
Compare rental purchase and refinancing options, including DSCR and short- or long-term rental considerations.
New Construction Loans
Plan construction draws, builder coordination and one-time-close or two-close financing.
Fix & Flip Loans
Review acquisition, renovation funds, short-term repayment and your sale or refinance plan.
Land & Lot Loans
Check build timing, access, utilities and the differences between raw land and a prepared homesite.
Commercial Real Estate Loans
Explore multifamily, standalone buildings and individual commercial sites with property-specific underwriting.
Recent Mortgage Insights
Seller Concessions vs. Price Reductions: A Colorado Buyer’s Guide
Would a seller credit or lower price help more? See a Colorado purchase example and the loan rules that can change the answer.
Should You Buy a House Now or Wait? Colorado Mortgage Guide (2026–2027)
Should you buy now or wait for lower mortgage rates? This Colorado guide compares full housing costs, payment scenarios, first-time buyer preparation, and refinance break-even so you can choose a plan that fits your budget and timeline.
2026 Condo Financing Changes: What Buyers Need to Know
Beginning August 3, 2026, Fannie Mae Limited Review and Freddie Mac Streamlined Review are being retired. Here is what the new condo project review process means for buyers, Realtors, homeowners, and investors.
10 Ways to Improve Your Credit Score Before a Mortgage
Review your credit reports, correct errors and plan debt payoffs without losing sight of cash needed to buy a home. Ten practical steps and official resources.
Understanding Seller Concessions and Credits for Home Buyers
Learn how seller concessions and credits work, their limits, and tips to negotiate for VA, FHA, and conventional loans.
2026 Conforming Loan Limits Increase by 3.26%
See how 2026 conforming loan limits affect your financing options. Check the county limit, compare conforming and jumbo loans, and plan your cash to close.
Which is better? Rent vs Buy a Home
Rent or buy? Compare the full monthly cost, cash needed upfront and the time you expect to stay. Our team can help you put the numbers in context.
Save on Your Mortgage with a 2-1 Buydown Strategy
A 2-1 buydown reduces the borrower’s scheduled payments for two years. Compare the subsidy, full payment and seller-credit options without assuming rates will fall.
Mortgage Process Pre-Flight Checklist
Get ready for a smoother mortgage process. Use our pre-flight checklist to organize documents, plan your budget and avoid surprises before closing.
Mortgage LLPA Changes in 2023: What to Know
This archived article explains the 2023 LLPA changes. For today’s mortgage costs, our team can compare current pricing, points and lender credits for your scenario.
Non-U.S. Citizen Mortgage Options
Explore mortgage paths for permanent and non-permanent residents. Our team can review your documents, income and the current program requirements.
A Guide to Property Taxes for Home Buyers
Learn how property taxes are calculated, what they help fund, and how tax appeals work. A practical overview for homebuyers and homeowners.
Questions worth asking
A few answers before your next move
Which calculator should I start with?
For a purchase, start with affordability and monthly payment. For refinancing, use the refinance calculator and compare costs. For equity or investment goals, choose the related tool below. Our team can help connect the results to a financing plan.
Why is principal and interest different from the full payment?
The full housing payment may also include property taxes, home insurance, mortgage insurance and HOA dues. Those amounts can change. Use realistic estimates for each field rather than relying on principal and interest alone.
Are these results a loan quote or pre-approval?
No. These are educational illustrations based on the values entered and the calculator’s assumptions. They do not verify your qualifications or current program availability. Our team can review a specific scenario with you.
Can I compare more than one loan scenario?
Yes. Keep the purchase price, term, taxes and insurance consistent when comparing options, then change the inputs you want to test. Compare costs as well as payment. The CFPB Loan Estimate guide explains what to compare in actual offers.
What should I do after I run the numbers?
Save your assumptions and results, then share your goals with our team. Where a calculator offers email results, you can request a copy from that calculator’s own results form. We can help you check what the illustration leaves out.
*Information, scenarios, and calculations are for educational and illustrative purposes only, not a loan offer, a commitment to lend, a rate quote or an approval. Programs, costs and qualification requirements depend on the borrower, property, selected lender and current guidelines. Examples are not guaranteed results. Our team can review the details for your situation.
Plan your next move
Bring your goals and a property address if you have one. Paul Cederholm, mortgage expert and real estate financing strategist, can help you compare the financing choices and plan your next step.
Ready to begin? Start your loan application. Prefer a direct conversation? Call 303-931-6798.