Calculators
Four numbers worth knowing before you call anyone
Most mortgage calculators show you principal and interest and stop there. These don't. Change any figure and everything updates instantly.
Calculator 01
Monthly payment
Principal, interest, property taxes, insurance, HOA and mortgage insurance — the number that actually leaves your account each month.
Estimated monthly payment
PITI + MIMost of Los Angeles County runs 1.1–1.3% including local assessments.
- Principal & interest
- $0
- Property taxes
- $0
- Homeowner's insurance
- $0
- Mortgage insurance
- —
- HOA dues
- $0
- Loan amount
- $0
- Cash down
- $0
Estimate only. These tools are for planning and education. They are not a quote, a rate lock, a pre-approval, or a commitment to lend, and they don't account for every cost in a real transaction. Your actual terms come from a lender's Loan Estimate after a full application.
Why the payment isn't the whole story
Where your money actually goes
Two loans can have the same monthly payment and cost wildly different amounts. This is a real 30-year amortization — the orange is interest, the green is principal.
$750,000 at 6.25%
30-yr fixed
Calculator 02
What can I actually afford?
Works backwards from your income and existing debts to a realistic purchase price. Lenders think in debt-to-income ratio, so this does too.
Estimated purchase power
Debt-to-income basedCar loans, student loans, minimum credit card payments, child support. Not utilities or groceries.
43% is a common ceiling. Some programs stretch to 50% with strong credit and reserves.
- Monthly housing budget
- $0
- Principal & interest
- $0
- Property taxes
- $0
- Insurance
- $0
- Loan amount
- $0
Estimate only. These tools are for planning and education. They are not a quote, a rate lock, a pre-approval, or a commitment to lend, and they don't account for every cost in a real transaction. Your actual terms come from a lender's Loan Estimate after a full application.
Calculator 03
Should I refinance?
The only question that matters is how long it takes the monthly savings to pay back the closing costs — and whether you'll still own the loan by then.
Refinance break-even
Rate & termLender, title and escrow fees. A lender-credit structure can reduce this to near zero in exchange for a slightly higher rate.
- Current payment (P&I)
- $0
- New payment (P&I)
- $0
- Closing costs
- $0
- Break-even
- —
Estimate only. These tools are for planning and education. They are not a quote, a rate lock, a pre-approval, or a commitment to lend, and they don't account for every cost in a real transaction. Your actual terms come from a lender's Loan Estimate after a full application.
Calculator 04
What does an extra payment do?
This is the one that surprises people. A modest amount added every month, applied straight to principal, changes the shape of the whole loan.
Early payoff
Extra principalTell your servicer to apply it to principal, not to prepay next month's payment. It matters.
- Scheduled payment
- $0
- Your new payment
- $0
- Interest as scheduled
- $0
- Interest with extra
- $0
- Time saved
- —
Estimate only. These tools are for planning and education. They are not a quote, a rate lock, a pre-approval, or a commitment to lend, and they don't account for every cost in a real transaction. Your actual terms come from a lender's Loan Estimate after a full application.
Real numbers
Calculators use assumptions. I use your file.
These tools get you in the neighbourhood. A real quote takes about fifteen minutes on the phone.