Run the numbers before you talk to anyone

More calculators

Each one opens its own full tool — pick the calculator that matches what you're figuring out.

• How much house can I afford — Turn your income and monthly debts into a realistic home-price target before you start shopping.
• What could I prequalify for — Get a prequalification-style estimate from your income and debts, then take the next step — a quick phone or online prequal with Miguel.
• Refinance — Compare your current loan to a new rate and see how long it takes to earn back the closing costs.
• Extra payment & payoff — Add a little to each payment and watch the payoff date — and the total interest — drop.
• Rent vs. buy — Weigh years of rent against owning the same home, including the equity you'd build over time.
• FHA streamline refinance — Already have an FHA loan? See if a streamline refi lowers your payment — no appraisal, no income check.
• Closing costs — See a transparent, line-by-line estimate of the cash you'd need at closing, on top of your down payment.
• Earned Equity cost — Can't get a traditional loan yet? Estimate the monthly cost and cash to move in with the FHA Earned Equity Program.
• DSCR rental coverage — Buying a rental? Check whether the property's rent covers its full payment — the same coverage math a DSCR lender runs.
• VA loan payment — Served? Estimate a VA payment with zero down and no monthly mortgage insurance — the one-time funding fee included.
• Debt-to-income (DTI) — Add up your income and monthly debts to see the ratio lenders check — and how much room is left for a house payment.
• Bank-statement income — Self-employed? Turn your deposits into qualifying income the way a bank-statement lender would size it.
• Points & rate buydown — Weigh paying discount points against the monthly savings — and see the month you break even on the cost.
• Cash-out refinance — Tap your home's equity — see the cash you could pull out and what the new payment would look like.
• Down-payment savings — Set a price goal and see how many months of steady saving get you to the down payment.
• PMI removal — Paying mortgage insurance? See how close you are to the 80% mark and what dropping it saves each year.
• Home equity — Today's value minus what you owe — see your equity and the usable share a lender would let you tap.
• HELOAN payment — Borrow your equity as a fixed second loan and keep your low first-mortgage rate — see the payment and how it beats a cash-out refi.
• Divorce / co-owner buyout — Keeping the house? Estimate the buyout owed to the other person and the refinance payment that gets it done.
• Home appreciation over time — See what your home could be worth in 3 to 30 years — and how much of that future value could be yours as equity.
• Apartment building loan (5+ units) — Rents minus expenses give the NOI — see the max loan the building supports and the down payment that closes the gap.