Free Tools

Mortgage Calculators

Run your own numbers before you talk to a lender. These calculators include property tax, insurance and the real costs of FHA and VA loans, so the estimates are closer to what you will actually pay. For exact numbers, call Sarah.

Buying a home

Mortgage payment calculator

What will my monthly payment be? See principal and interest, property tax, insurance, mortgage insurance and HOA for Conventional, FHA and VA loans.

Calculate my payment →

Home affordability calculator

How much house can I afford? See a comfortable price and a stretch price based on your income, debts and down payment, with taxes and FHA and VA costs included.

See my price range →

Rent vs buy calculator

Should I keep renting or buy? Compare what you would be worth from renting and buying each year, and find the year buying starts to come out ahead.

Compare rent vs buy →

Conventional vs FHA vs VA comparison

Which loan is cheaper for me? Compare down payment, fees, mortgage insurance by credit score, monthly payment and 5-year cost side by side for the same home.

Compare loans →

Amortization calculator

Where does my payment go? See your full schedule by year and month, how much goes to interest and principal, and how extra payments shorten the loan.

See my schedule →

Debt-to-income (DTI) calculator

How much of my income goes to debt? See your debt-to-income ratio, the monthly debts divided by monthly income that lenders use to decide how much you can borrow.

Check my DTI →

Self-employed buyers

Sarah's specialty

Self-employed income calculator

How much of my income will a lender count? Calculate qualifying income from Schedule C, S-corp or partnership returns, or bank statements, the way underwriters do.

Calculate my income →

Refinancing

Refinance break-even calculator

Is refinancing worth it? See your monthly savings, the month the savings cover the closing costs, the total cost either way, and whether you can drop mortgage insurance.

Check my refinance →

Not sure which one to use?

Start with the affordability calculator if you want to know your price range. Use the payment calculator once you have a specific home or price in mind.

Send your numbers to Sarah or call (619) 254-4067

Calculator questions

How accurate are these mortgage calculators?

They give quick estimates that include property tax, insurance and the FHA upfront premium and VA funding fee that many calculators leave out. Property tax and insurance can be changed to match your area, because they vary a lot by state and county. They are still estimates, because your actual tax rate, insurance cost and interest rate depend on the property and your situation, so call Sarah for exact numbers.

Does using a calculator affect my credit score?

No. The calculators run in your browser, do not ask for personal information and do not check your credit. Your credit is only reviewed if you apply for a mortgage or a preapproval.

What should I do after I run the numbers?

Send your numbers to Sarah for a review. She can confirm your actual rate, which loan programs fit, how your income and debts will be counted, and how much cash you will need to close, which a calculator cannot do.

Sarah Baraz is based in San Antonio and licensed in Texas, Florida and California. Educational estimates only. These calculators are not a loan offer, rate quote, pre-approval or commitment to lend. Programs, guidelines, rates and eligibility can change and are subject to underwriting.