Your full payment, your DTI, and whether it fits the guidelines.
VA Loan Calculator
Your full VA payment, DTI, and the VA residual income test, worked the way a lender runs it.
FHA Loan Calculator
Your full FHA payment with mortgage insurance, and where your DTI lands against FHA guidelines.
Conventional Loan Calculator
Your full payment with PMI, when PMI ends, and where your DTI lands for Fannie and Freddie.
Useful no matter which loan you use.
Closing Cost Calculator
Type in any address and see your cash to close line by line, laid out like a Loan Estimate.
Loan Estimate Explainer
Click any box on a real Loan Estimate and get a plain-English read on what it means and what to check.
The VA questions that come up on almost every file.
VA Entitlement Calculator
How much entitlement you have left and the biggest price you can buy with $0 down.
Veteran Property Tax Breakdown
Any disability rating, any state. What happens to your property tax bill, and what it means for your loan.
Lender math, not marketing math.
Each tool models the actual guideline a lender checks: residual income and DTI for VA, entitlement and county limits for a second VA loan, MIP and DTI guidelines for FHA, and PMI pricing and DTI for conventional.
Nothing between you and the answer.
No signup and no email wall, and your numbers never get saved or sent anywhere. Open a calculator, type your numbers, get your answer.
Built by a working loan officer.
These are the same checks Joshua Payne, NMLS 1515413, runs on real files every day at Payne Home Loans.
Calculators get you close. A quote gets you exact.
When you are ready for exact numbers on a real house, get them from a licensed loan officer who does this every day.