Mortgage Calculators
Every calculator ReadinessIQ ships — affordability, DTI, VA entitlement, refinance, rent vs buy, and the what-if simulator. All free, all use real 2026 program caps and live mortgage rates. If you're starting from scratch, the affordability calculator is the natural first stop; if you already own, refinance is where most people begin.
Choose a calculator
Full PITI — principal, interest, taxes, insurance, PMI/MIP, and HOA. Model any rate, term, or down payment. See how extra principal accelerates payoff.
How much house can you afford? Enter income, debts, and down payment. Uses real state property tax, insurance, and program-specific DTI caps.
Estimate lender, title, escrow, and prepaid costs — plus total cash to close for FHA, VA, USDA, and Conventional loans.
See your front-end and back-end debt-to-income instantly, plus whether you clear the FHA, VA, USDA, and Conventional caps for 2026.
New payment, monthly savings, break-even months, and lifetime interest saved. Includes a 15-year vs 30-year comparison.
Bonus (second-tier) entitlement math. See if you can buy a new home with $0 down while keeping your current VA loan.
Break-even year, 10-year wealth outlook, and monthly comparison — using today's live 30-year fixed rate from Freddie Mac.
Drag any slider — pay off debt, get a raise, change price — and watch your readiness update across all four loan programs.
Side-by-side comparisons
High-intent buyers deciding between loan programs. Each comparison links back to the underlying single-program calculators.
Which calculator should I use?
- Just curious what you can afford: start with Affordability, then verify with DTI.
- Already own and rates dropped: run the Refinance calculator.
- Veteran considering a second home: VA Entitlement, then VA vs FHA.
- On the fence about buying: use Rent vs Buy.
- Wondering what would change your qualification: play with the What-If Simulator.