Mortgage Calculators
Free, no-login tools to estimate payments, affordability, and compare programs. Results are educational estimates — no credit pull required.
Monthly Payment
Estimate P&I and total monthly housing cost.
OpenHome Affordability
See how much house fits your income and debts.
OpenFHA vs Conventional
Side-by-side down payment and mortgage insurance.
OpenDSCR for Investors
Check rental income against debt service.
OpenMonthly Payment Calculator
Estimate your full monthly housing payment including taxes, insurance, and mortgage insurance.
Estimated total monthly payment
$3,002
- Principal & Interest
- $2,398
- Property tax
- $458
- Home insurance
- $146
- Mortgage insurance
- $0
- Loan amount
- $400,000
- Down payment
- $100,000
Home Affordability Calculator
Based on a 28% housing ratio and 36% total-debt ratio — common underwriting benchmarks.
Estimated total monthly payment
$280,000
FHA vs Conventional
Compare monthly P&I and mortgage insurance for the same loan.
FHA (3.5%+ down)
$3,066/mo
Includes annual MIP (~0.55%) · P&I $2,848 + MI $218
Conventional
$3,066/mo
PMI cancels at 20% equity · P&I $2,848 + MI $218
DSCR Calculator for Investors
Debt Service Coverage Ratio = annual rental income ÷ annual debt service. Many programs look for ≥ 1.0.
DSCR
1.27
Strong — rents comfortably cover debt.
Annual rent $33,600 ÷ annual debt $26,400.
Estimated payments are principal and interest only unless itemized, and do not include all costs of homeownership. This is an educational estimate, not a commitment to lend or underwriting approval. Actual rates, APR, taxes, insurance, mortgage insurance, and terms depend on your credit profile, loan type, property, and current market conditions. Contact Peter Irungu for a personalized quote. Reviewed 2026-10-07. Peter Irungu · NMLS #2751063 · NEXA Lending, LLC · NMLS #1660690.
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