Mortgage Calculators
Run the numbers and estimate affordability, refinance savings, and the impact of extra payments.
How much home can I afford?
Enter your finances to see an estimated price range based on a debt-to-income (DTI) cap.
Car, student loans, minimum credit card payments.
Most programs allow 36–50%.
Use a rate you’ve researched. We don’t quote rates here.
Estimate
You may be able to afford
$0
Loan amount$0
Estimated monthly PITI$0
Principal & interest$0
Property tax$0
Insurance$0
DTI used43%
Debt-to-income (DTI) calculator
Enter your gross monthly income and monthly obligations to estimate your front-end (housing) DTI and back-end (total) DTI. Lenders use these ratios as one of several factors during underwriting.
Pre-tax income. If you know your annual income, divide by 12.
Include principal, interest, taxes, insurance and HOA (PITI + HOA).
Monthly debts
Alimony, child support, personal loans, etc.
Estimate
Back-end DTI
0%
Front-end DTI (housing)0%
Total monthly debts$0
Housing + debts$0
Gross monthly income$0
Remaining housing capacity$0
Should I refinance?
Compare your current loan to a new scenario. See monthly savings and break-even in months.
Current loan
New loan scenario
Assumed rolled into the new loan.
Estimate
Monthly impact
$0 /mo
Current P&I$0
New P&I$0
Break-evenN/A
Current lifetime interest$0
New lifetime interest$0
Lifetime difference$0
HECM / Reverse mortgage estimator
For homeowners age 62+. Estimates the principal limit and net funds available based on age, home value, and an assumed expected interest rate. Final eligibility is determined using HUD principal limit factor (PLF) tables at the time of application.
Must be 62 or older for HECM.
Must be paid off with HECM proceeds.
HECM disclosures: A HECM is a loan that must be repaid when the home is sold or is no longer your primary residence. You remain responsible for property taxes, insurance and maintenance. HUD-approved counseling is required. Reverse mortgages are complex products — review them carefully and consult a licensed HECM specialist.
Estimate
Estimated funds available
$0
Principal limit$0
Approx PLF0%
Existing payoff$0
Estimated upfront costs$0
Important: All calculator results are educational estimates only. They are not loan offers, pre-approvals, commitments to lend, or guarantees of eligibility, rate, or terms. Calculations do not include all costs (such as PMI/MIP, HOA dues, flood insurance, or other escrow items) and assume no changes in tax or insurance rates. Actual rates, fees, and program availability depend on individual circumstances, creditworthiness, property type, occupancy, and underwriting. For accurate figures, please speak with a licensed Supreme Lending loan officer. Supreme Lending is an Equal Housing Lender. NMLS #2129.
