Calculators
Answers in dollars, before the forms.
Type in your own numbers and see the real cost, right here, with no lender on the phone.
Mortgage payment
Estimate your monthly payment and total cost.
Divorce buyout
See if you can afford to buy out your spouse.
DSCR rental
Cash flow and qualifying for investment loans.
VA funding fee
Your fee based on service and down payment.
Points breakeven
See if paying points for a lower rate is worth it.
Refinance breakeven
When a new rate actually beats what refinancing costs.
Bank statement loan
Qualifying income from deposits, not tax returns.Already holding the paperwork?
The tools read a Loan Estimate or a Closing Disclosure line by line, and check whether an address qualifies for a zero down payment USDA loan.
Which one answers your question
- Can I afford this house?
- Start with the payment, then check what your credit score and down payment add on top. Mortgage payment
- Is paying points worth it?
- Points buy a lower rate for cash up front. The answer is a number of months. Points breakeven
- Should I refinance?
- A lower rate is not automatically cheaper once the costs of the new loan are counted. Refinance breakeven
- I am self-employed and my tax return looks small
- Bank statement loans qualify you on deposits instead of net income, and cost more. Bank statement loan
- Will this rental pay for itself?
- DSCR loans qualify the property, not you. DSCR rental
- We are splitting up and one of us keeps the house
- What it costs to buy the other person out. Divorce buyout
lowest.mortgage is not a lender. Estimates only, from the numbers you enter. Not an offer of credit. How we make money