Mortgage Calculators
Estimate payments, affordability, refinance savings, buydowns, and seller-financing spread. Real-time results — no button to click.
Payment Calculator
Estimate monthly P&I or PITI. Sliders for loan amount, rate, and term. Donut chart breakdown.
Calculate payment →Affordability Calculator
Income, DTI, and debts. See your max payment and home price in real time.
Check affordability →Refinance: Break-Even & Savings
Compare current vs new rate and term. Monthly savings and months to break even on closing costs.
Run break-even →Refinance Closing Cost Calculator
Quick estimate of refinance closing costs: lender fees, third-party fees, escrow, and total.
Estimate closing costs →Buydown Calculator
2/1, 3/2/1 temporary buydowns. Stepped payment by year and total subsidy cost.
Run buydown scenario →WRAP Calculator
Seller financing: monthly spread, cash at closing, and projected net payoff at balloon.
Calculate WRAP spread →Calculator FAQ
Yes. Every calculator on this page is free to use, with no signup, no email gate, and no obligation. Run as many scenarios as you want.
Accurate enough to make decisions, not accurate enough to be a quote. The math behind principal, interest, taxes, insurance, and amortization is exact. But your real numbers depend on your credit, down payment, lender pricing on the day you lock, and property-specific tax and insurance figures. For a real number on a real scenario, request a pre-approval.
No. The calculators run in your browser. You don't enter your name, email, phone, SSN, or anything that identifies you. Nothing is saved or sent anywhere.
The affordability calculator works backwards from your income and debts to tell you the price range you can qualify for. The payment calculator works forwards from a specific home price to tell you the monthly payment. Use affordability when you're house shopping. Use payment when you have a property in mind.
Need a real pre-approval?
These tools are for estimates only. For a verified pre-approval in Austin, apply with Adam.
Apply Now