Free Interactive Tools

Mortgage Calculators —
Run Your Numbers Before You Call

Five free calculators to estimate payments, test affordability, check refinance savings, compare rent vs. buy, and review your DTI ratio. For DSCR-specific analysis, use the dedicated DSCR Calculator.

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Jump to any calculator below

Mortgage Payment

Monthly Mortgage Payment Calculator

Estimate a full monthly housing payment using home price, down payment, interest rate, loan term, taxes, insurance, and HOA dues.

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Estimated Total Payment
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Loan Amount
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Principal & Interest
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Total Interest Paid
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Affordability

How Much House Can I Afford?

Estimate a price range using gross income, monthly debts, available cash, interest rate, and a target back-end DTI ratio.

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Est. Max Home Price
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Est. Loan Amount
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Monthly Housing Budget
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Assumed Down Payment
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Refinance

Refinance Savings Calculator

Compare your current payment against a new rate and measure how long it takes to recover closing costs at the new payment.

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Monthly Savings
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Break-Even Point
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Current Payment (P&I)
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New Payment (P&I)
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Rent vs. Buy

Rent vs. Buy Calculator

Compare multi-year rent costs against estimated ownership payments and appreciation to see which builds more long-term value.

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Total Rent Paid
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Total Buy Payments
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Estimated Value Growth
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Simple Verdict
Debt-to-Income

Debt-to-Income (DTI) Calculator

Measure front-end and back-end ratios to understand how your housing costs and other debts fit within your gross monthly income.

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Front-End Ratio
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Back-End Ratio
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Total Monthly Debt
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Lender Assessment
Ready to Run Your Numbers for Real?

These estimates are a starting point.
Joe runs the actual numbers.

Get a real DSCR analysis for your Florida investment property — or check your personal loan eligibility. No credit pull, no commitment.

Joe Pistone · NMLS# 2087918 · CrossCountry Mortgage · (941) 260-3051