Mortgage Calculators
Estimate your payment before you call. All figures are for educational purposes, your actual rate depends on credit, property, and program. Get a real quote →
Conventional Mortgage
Estimate your monthly payment including taxes, insurance, HOA, and PMI.
Fill in the fields and click Calculate to see your estimated monthly payment.
FHA Loan Calculator
FHA loans require 3.5% down (580+ credit) and include an upfront MIP (1.75%) plus monthly MIP.
Fill in the fields and click Calculate to see your FHA payment breakdown.
VA Loan Calculator
VA loans offer 0% down with no monthly PMI. A one-time funding fee is rolled into the loan (waived for disabled veterans).
Fill in your details and click Calculate to see your VA loan payment.
Refinance Calculator
Compare your current mortgage to a new loan to see monthly savings and break-even timeline.
Enter your current and new loan details to see how much you could save.
Affordability Calculator
Estimate the maximum home price you can afford based on your income and existing debts (43% DTI rule).
Enter your income and debts to see the maximum home price you can afford.
DSCR Calculator
DSCR = Monthly Rent ÷ Monthly PITIA. A ratio above 1.25 clears most lender thresholds. Illustrative only.
Enter the property details and click Calculate to see the DSCR ratio and monthly breakdown.
All calculations are estimates for educational purposes only and do not constitute a loan commitment or guarantee of any rate or terms. Actual payments will depend on credit score, loan program, property type, and market conditions. NMLS #1277693. Get a real rate quote →
Free Mortgage Calculators for California Home Buyers
Buying a home in California means working with some of the highest purchase prices in the country. Before you speak with a lender, running the numbers yourself gives you a clear picture of what different down payment amounts, terms, and rate scenarios actually cost each month. These calculators cover the most common loan types we see at Advanced Funding Solutions: conventional purchases with PMI, FHA with mortgage insurance, VA purchases for eligible veterans, and refinance break-even analysis for borrowers already in a loan.
Each calculator includes taxes, insurance, and the mortgage insurance costs specific to that loan type. The FHA calculator builds in both the upfront MIP (1.75%) and the ongoing annual MIP, so the payment shown reflects what you'll actually owe, not just principal and interest. The conventional calculator includes PMI when your down payment is below 20%, and shows the LTV breakpoint at which PMI drops off automatically.
All figures are estimates for educational purposes. Your actual payment depends on the specific lender, your credit profile, property type, and the rate disclosed at the time of application. Get a real quote from Advanced Funding Solutions.