Calculators

Three calculators for planning, not for quoting. You enter the rate: this site does not quote rates, because a real rate depends on your credit, the property and the program, and it is only provided in writing after a complete application.

1What do you want to do?

2What is the home for?

3Is this your first home?

4Price and down payment

Home price Down payment (%) Down payment ($)

5Loan type and rate

Not sure? FHA: smaller down payment and more flexible with credit. Conventional: no mortgage insurance with 20% down. Non-QM: for self-employed buyers and investors.

Interest rate (annual)Enter the rate from your quote

Adjust details (taxes, insurance, HOA, credit, rent)

Property tax (per year)1% of the price, updates automatically. You can change it. Homeowners insurance (per year) HOA (per month) Term (years) Credit score range (optional)

Insurance and taxes are starting estimates. Change them to a real quote for your property if you have one.

Household income (per year) Monthly debts (car, cards, student loans) Interest rate (annual)Enter the rate from your quote Down payment percentage (%)

Home price Down payment percentage (%) What you have saved Monthly difference: {x} less

These are estimates for planning only. Not a loan commitment, not an offer of credit, and not a quote. Your actual payment depends on your credit, the property, the lender and the program. Rates change daily.

Get the real numbers for your case → Request a call →

How to read these numbers

The monthly payment is not just the loan. It is principal, interest, property tax, homeowners insurance, and if your down payment is small, mortgage insurance too. Plenty of people calculate only the loan and then the real payment lands 40% higher.

Florida homeowners insurance changes everything. It is among the highest in the country, and in some coastal areas it can cost more than the property tax. That is why the calculator ships with a conservative figure: we would rather you be surprised in the good direction.

“What can I afford” uses a 43% debt-to-income limit, the most common benchmark. Some programs allow more, especially with strong credit or reserves. It is a starting point, not a hard ceiling.

What a calculator cannot know

If you are self-employed, your qualifying income can be very different from what you type here — and every lender calculates it with its own formula. If you are buying with an ITIN or a work permit, the minimum down payment changes by program.

A calculator does not solve that. A twenty-minute call does.

Browse the programs and leave us your details → · Call us: (813) 513-9835