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.
Affordability Calculator
Estimate a comfortable home price and loan amount based on your income, debts, and target debt-to-income ratio.Purchase / Payment Calculator
Estimate your total monthly mortgage payment including principal & interest, property taxes, insurance, PMI and HOA dues.Refinance Savings Calculator
Compare your current mortgage to a new refinance scenario, including monthly savings and breakeven point after closing costs.Mortgage Total Cost Calculator
Estimate total interest and total cost of your mortgage over time, with and without an extra monthly payment.Rent vs Buy Calculator
Compare estimated monthly costs of owning vs renting and see potential long-term equity from buying a home.VA Loan Payment Calculator
Estimate a VA loan payment including the VA funding fee, property taxes, insurance, and HOA dues.FHA Streamline Payment Calculator
Estimate a new FHA payment for a streamline refinance, including principal & interest, FHA mortgage insurance, taxes and insurance.DSCR Investor Calculator
Estimate the maximum loan amount based on rental income, operating expenses, and a target DSCR ratio.Fix & Flip Profit Calculator
Estimate your potential profit and ROI on a flip based on purchase, rehab, holding costs and after-repair value.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.
Run quick scenarios for purchase, refinance, and investment loans. These tools are for estimates only—your actual approval and payment will depend on full underwriting.
