Mortgage Calculators
Free tools to estimate payments, check affordability, and plan your purchase or refinance. Pick a calculator below to get started.
Affordability Calculator
See how much home you can comfortably afford.
Open calculatorMonthly Payment Calculator
Estimate your monthly principal, interest, taxes, and insurance.
Open calculatorVA Purchase Calculator
Estimate a zero-down VA payment with no mortgage insurance.
Open calculatorFHA Loan Calculator
Estimate FHA payments including MIP and UFMIP.
Open calculatorUSDA Eligibility Calculator
Check income and location eligibility for USDA loans.
Open calculatorRefinance Calculator
Compare your current loan against a refinance scenario.
Open calculatorVA IRRRL Calculator
Estimate savings on a VA streamline refinance.
Open calculatorPayoff Calculator
See how extra payments shorten your loan and save interest.
Open calculatorAmortization Calculator
View a full amortization schedule for your loan.
Open calculatorDSCR Calculator
Calculate debt-service coverage for investment properties.
Open calculatorRental Income Calculator
See how much of your rental income a lender will actually count, after the property payment comes out.
Open calculatorBuydown Calculator
Estimate the cost and savings of a temporary rate buydown.
Open calculatorRehab / Renovation Calculator
Estimate financing for a fixer-upper or renovation project.
Open calculatorShared Equity Calculator
Model a shared-equity or shared-appreciation scenario.
Open calculatorWant to see how these numbers play out on a real purchase? Our walkthrough of how much income you need to afford a $750K house breaks down the down payment, monthly payment, and qualifying income step by step.
Ready to Take the Next Step?
Get a personalized quote from Emmett Clark and turn these estimates into real numbers for your purchase price, credit score, and financial goals.
Get a Free Quote