Mortgage Calculators
Free tools to help you estimate payments, compare options, and make confident decisions about your home loan.
VA Mortgage Payment Calculator
Calculate your VA loan monthly payment including the VA funding fee. See exactly how the funding fee impacts your total payment amount.
Use CalculatorVA Bonus Entitlement Calculator
Already have a VA loan and buying again? Determine if a down payment is needed when you'll have multiple VA loans at the same time.
Use CalculatorVA Residual Income Calculator
Check whether you meet the VA's residual income requirements. This is the money left over each month after all major expenses and debts are paid.
Use CalculatorVA Student Loan Payment Calculator
See the student loan payment a VA underwriter will actually count, including deferment, income-driven plans and the VA 5 percent rule. The same tool also covers conventional, FHA and USDA, which all count student loans differently.
Use CalculatorBAH Calculator
Look up your Basic Allowance for Housing rate based on duty station, pay grade, and dependency status to help plan your home purchase budget.
Use CalculatorVA Cash-Out Savings Calculator
Considering a VA cash-out refinance? Estimate your potential savings and see how tapping your home equity affects your monthly payment.
Use CalculatorVA IRRRL Recoup Calculator
Thinking about a VA streamline refinance? Calculate how long it will take to recoup your closing costs through monthly payment savings.
Use CalculatorStudent Loan Payment Calculator
Conventional, FHA and USDA each count student loans by their own rule, and Fannie Mae and Freddie Mac do not agree with each other. Pick your loan type and see the payment that actually hits your debt ratio.
Use CalculatorAffordability Calculator
Find out how much home you can afford based on your income, debts, and the loan program you're using. Ratios are based on maximum underwriting guidelines.
Use CalculatorRent vs. Buy Calculator
Compare the long-term costs of renting versus buying a home to see which option makes more financial sense for your situation.
Use CalculatorFannie Mae Loan Limits
Look up the current conforming loan limits for your county. Limits vary by location and property type (single-family, duplex, triplex, fourplex).
View LimitsCheck Your Home Value
Get an instant estimate of your home's current market value. Useful whether you're buying, selling, refinancing, or just tracking your equity.
Check ValuePrepayment Calculator
See how extra payments can shorten your loan term and reduce total interest paid. Even small additional payments can make a big difference over time.
Use CalculatorRefinance Calculator
Considering a refinance? Compare your current loan to a new rate and term to see how much you could save and whether it's worth it.
Use CalculatorTemporary Buydown Calculator
Estimate the cost and savings of a temporary interest rate buydown (such as 2-1 or 1-0) to reduce your payments during the first years of the loan.
Use CalculatorRental Profitability Calculator
Thinking about buying a rental property? Calculate the Debt Service Coverage Ratio to see if the property's income will cover the mortgage and expenses.
Use CalculatorNet Proceeds Calculator
Selling your home? Estimate how much money you'll walk away with after your remaining mortgage balance, agent commissions, and closing costs.
Use CalculatorDisabled Veteran Property Tax Exemption Guide
Find the exemption amount, the form and the filing deadline for your state. Covers all 50 states and DC.
Open GuideLoan Estimate Review
Send me the Loan Estimate another lender gave you and I will tell you line by line what is fair and what is padded.
Get a ReviewVA Loan Pathfinder
Answer a few questions about your situation and see which VA loan path actually fits your file.
Start PathfinderRealtor Tools
Tools and answers for agents working with VA buyers, including what to tell a seller who is wary of a VA offer.
Open ToolsTake the 30 second mortgage quiz to see if you qualify
