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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%

Estimated monthly mortgage payment

See an estimated monthly payment that combines principal, interest, taxes and insurance. Add HOA dues and, if the down payment is less than 20%, an assumed PMI rate.

A down payment under 20% of the home price typically requires private mortgage insurance (PMI) on a conventional loan.
Use a rate you’ve researched. We don’t quote rates here.
The national average is around 1.1%. Varies widely by state and county.
Leave at $0 if the home has no HOA.
Only applied when the down payment is under 20%. Typical conventional PMI ranges from about 0.3% to 1.5% of the loan amount per year, based on credit and down payment.

Estimate

Estimated monthly PITI

$0
   Principal & interest$0
   Property tax$0
   Insurance$0
   PMI (if applicable)$0
   HOA dues$0
Loan amount$0
Loan-to-value (LTV)0%

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

VA entitlement calculator

Use this calculator if you already have a VA loan and your used entitlement will not be restored prior to closing on your new home. Leave the used-entitlement field at $0 if you have never used a VA loan or your entitlement has been fully restored.

Built-in 2026 baseline. For county-level limits, an admin can upload the FHFA CSV in Settings → SL Calculators.
Enter the amount of entitlement currently in use per your Certificate of Eligibility (COE). Leave at $0 if you have full entitlement.

VA disclosures: VA loans are subject to VA eligibility, occupancy, and underwriting requirements. The VA Certificate of Eligibility (COE) is the official record of your entitlement. Effective January 1, 2020, the VA eliminated county loan limits for veterans with first-time-use or fully restored entitlement. Limits, fees and rules are set by the Department of Veterans Affairs and are subject to change. Supreme Lending is not affiliated with or endorsed by the VA or any government agency.
Estimate

VA Loan Summary

$0
Estimated down payment
Purchase price$0
VA loan amount$0
Entitlement Details
County limit$0
Entitlement used$0
Available entitlement$0
Max $0-down loan$0
VA guaranty (25%)$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.