Calculators
Run the numbers before you fall in love with a house.
Four tools. You supply the rate. Nothing here is today’s pricing or an approval.
True Payment Calculator
Estimated monthly
—
Enter a down payment to see your payment.
Estimates only, not a loan quote. This is an estimate for illustration only, not a quote, rate lock, or loan approval. Rates and terms depend on your full application.
Affordability
Illustrative price
$573,723
This solves for a conventional payment that fits the DTI you entered, using 2.1% tax and about $300 of insurance per $100,000 of price. Many programs look at the mid-40s, but the limit depends on the whole file. This is an estimate for illustration only, not a quote, rate lock, or loan approval. Rates and terms depend on your full application.
Refinance break-even
Break-even
15.0 months
About $400.00 a month before taxes and insurance. You recover the closing costs you typed in after roughly 15.0 months, if nothing else changes. A refinance does not let you skip a payment. The old loan is paid off at closing; prepaid interest and the new first payment still come due. This is an estimate for illustration only, not a quote, rate lock, or loan approval. Rates and terms depend on your full application.
VA entitlement, explained
Full entitlement means VA has not set a county loan limit since 2020. A $500,000 home can be financed with $0 down when the appraisal supports it and the Certificate of Eligibility shows enough entitlement.
If some entitlement is already in use, remaining guaranty is about 25% of the county limit minus what is already used. The $0-down amount that remainder can support is about four times that guaranty. Your COE is the record. This box is only the math.
$800,000
Remaining guaranty in this illustration: $200,000. Example county limit: $800,000. This is an estimate for illustration only, not a quote, rate lock, or loan approval. Rates and terms depend on your full application.