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.

Choose a calculator

Jump to any calculator below

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Mortgage Payment
Estimate P&I, taxes, insurance, and HOA in one number.
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Affordability
See how much home fits your income and debt profile.
Open →
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Refinance Savings
Compare current vs. new payment. Find break-even timing.
Open →
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Rent vs. Buy
Multi-year comparison of renting against ownership costs.
Open →
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Debt-to-Income
Front-end and back-end DTI ratios from your numbers.
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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
$0
Principal & Interest
$0
Total Interest Paid
$0
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
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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
0%
Total Monthly Debt
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Lender Assessment
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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.

DSCR Calculator → 📋 Submit Inquiry

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

JOE PISTONE & TEAM

Loan Officer · NMLS# 2087918

CrossCountry Mortgage, LLC · NMLS# 3029

(941) 260-3051

joe.pistone@ccm.com

Equal Housing Lender Licensed in Florida CrossCountry Mortgage

Why work with Joe Pistone & Team

10+ years closing mortgages in the Florida market. Specializing in Florida DSCR investor loans. Top-1% loan officer at one of the largest non-bank lenders in the country. We pick up the phone, we close on time, and we don't ghost.

  • Local Florida expertise — Sarasota-based, statewide coverage, plain-English answers
  • Available 7 days a week — your buyer's questions don't wait for business hours
  • Closes in days, not weeks — when speed matters, we move
  • Educational-first approach — we explain the math before you ever sign

Our other Florida mortgage sites:

Equal Housing Opportunity · Educational only — not a commitment to lend · CrossCountry Mortgage, LLC NMLS# 3029 · Joe Pistone NMLS# 2087918