Mortgage Calculators: Estimate Payments, Affordability & Total Loan Costs

Mortgage Calculators


Our interactive mortgage calculators help you estimate payments, compare loan options, analyze affordability, and plan your financial strategy with confidence. Whether you’re buying a home, refinancing, investing, or comparing rent vs. buy, these tools make it easy to understand your numbers—instantly.


Use the calculators below to explore payments, equity, loan terms, savings, and investment returns. Your results are estimates only; speak with a Bonelli Financial Group loan specialist to get exact approval figures.


Mortgage Calculators | Bonelli Financial Group

Affordability Calculator

Estimate a comfortable home price and loan amount based on your income, debts, and target debt-to-income ratio.

Estimated Affordability
Approximation for planning only. Actual approval depends on full underwriting, credit, and reserves.

Purchase / Payment Calculator

Estimate your total monthly mortgage payment including principal & interest, taxes, insurance, PMI and HOA.

Estimated Monthly Payment
Actual payment may vary based on program type, mortgage insurance, and exact tax/insurance figures.

Refinance Savings Calculator

Compare your current mortgage to a new refinance scenario, including monthly savings and breakeven point.

Refinance Comparison
Breakeven is an estimate. Consider how long you plan to keep the home and potential tax implications.

Mortgage Total Cost Calculator

Estimate total interest and total cost of your mortgage over time, with and without an extra monthly payment.

Total Cost Estimate
Simplified projection. Actual results depend on exact payment timing, taxes, insurance, and rate changes.

Rent vs Buy Calculator

Compare estimated monthly costs of owning vs renting and see potential long-term equity from buying.

Rent vs Buy Comparison
Simplified comparison. Actual results depend on market performance, maintenance costs and tax treatment.

VA Loan Payment Calculator

Estimate a VA loan payment including the VA funding fee, property taxes, insurance, and HOA dues.

Estimated VA Loan Payment
VA funding fee percentages vary by use, down payment and disability status. This is an estimate only.

FHA Streamline Payment Calculator

Estimate a new FHA payment for a streamline refinance, including P&I, FHA mortgage insurance, taxes and insurance.

Estimated FHA Streamline Payment
FHA MIP amounts can vary by case number date, term and LTV. This calculator is for illustration only.

DSCR Investor Calculator

Estimate the maximum loan amount based on rental income, operating expenses, and a target DSCR ratio.

DSCR Loan Estimate
Actual DSCR requirements and maximum loan amounts vary by lender, program, market and property type.

Fix & Flip Profit Calculator

Estimate your potential profit and ROI on a flip based on purchase, rehab, holding costs and after-repair value.

Fix & Flip Summary
Simplified projection. Always factor in taxes, permits, contingency, and local market conditions.

Blended Rate Calculator

Calculate your blended mortgage rate across multiple loans or refinances.

Blended Mortgage Rate
Weighted by loan amounts. Does not include fees or closing costs.

Purchase & Payment Calculators


Home Affordability Calculator

Find out how much home you can comfortably afford based on your income, debts, interest rate, and loan program guidelines. This tool estimates your maximum housing payment, loan amount, and approximate purchase price.


Purchase Payment Calculator

Estimate your full monthly mortgage payment—including principal, interest, property taxes, homeowners' insurance, PMI, and HOA dues. Adjust the price, down payment, and loan terms to find the payment that fits your budget.


Rent vs Buy Calculator

Understand the long-term financial impact of renting versus owning. Compare monthly costs, equity growth, appreciation, and total rent paid over time to determine whether buying a home makes sense.


Refinance Calculators


Refinance Savings Calculator

Compare your current mortgage to a new rate and term to estimate your monthly savings, new payment, and break-even point after closing costs. Ideal for homeowners exploring rate-and-term or VA IRRRL refinancing.


Mortgage Total Cost Calculator

Analyze the true long-term cost of your mortgage. See total interest, total loan cost, and how much you can save by adding an extra monthly principal payment.


Loan-Specific Calculators


VA Loan Payment Calculator

Estimate your VA loan payment, including the VA funding fee, taxes, insurance, and HOA dues. Great for purchase or refinance planning.


FHA Streamline Payment Calculator

Quickly estimate your new FHA mortgage payment with minimal inputs. Includes principal & interest, FHA mortgage insurance, taxes and insurance as dollar values, and HOA costs.


Investment Property Calculators


DSCR Investor Calculator

Determine the maximum loan amount supported by rental income using the DSCR (Debt Service Coverage Ratio). Essential for investors using cash-flow-based loan programs.


Fix & Flip Profit Calculator

Estimate potential flip profits using purchase price, rehab costs, holding costs, ARV, and selling costs. Instantly view estimated profit, ROI, and break-even projections.


Why Use These Mortgage Calculators?


  • Instant results — no waiting, no email required
  • Plan with confidence — see payments and savings upfront
  • Improve buying power — explore a wide range of scenarios
  • Make informed decisions — understand your numbers before applying
  • Ideal for first-time buyers, refinancers, and real estate investors


Need an Exact Quote or Pre-Approval?



These calculators provide helpful estimates, but your actual mortgage payment and approval amount can vary based on credit, income, loan program, and property details.


For a personalized quote or same-day pre-approval, contact us today or apply online in minutes.