Mortgage Payment Calculator
Calculate your full Florida monthly payment — principal, interest, property tax, homeowner's insurance, HOA, and PMI — with 2026 averages baked in.
Adjustable-Rate Mortgage (ARM) Calculator
An ARM offers a lower initial rate that resets after a fixed period. See your initial payment and worst-case projected payment after the first adjustment.
Amortization Calculator
See how each monthly payment splits between principal and interest, and watch your loan balance decrease year by year.
| Year | Principal paid | Interest paid | Remaining balance |
|---|
Debt-to-Income (DTI) Ratio Calculator
Lenders use DTI to decide how much house you can afford. See front-end (housing) and back-end (total debt) ratios with 2026 conventional/FHA/VA thresholds.
Down Payment Calculator
Compare 3%, 5%, 10%, 15%, and 20% down for the same Florida home. See loan amount, monthly P&I, and PMI at 2026 rates.
| Down % | Cash needed | Loan amount | Monthly P&I | + PMI |
|---|
Home Sale Calculator
Estimate your net proceeds from selling your Florida home — sale price minus mortgage payoff, agent commission, closing costs, repairs, and other fees.
Mortgage Comparison Calculator
Compare two loan offers side by side — different rates, terms, or programs — and see which costs less monthly and over the life of the loan.
| Metric | Loan A | Loan B |
|---|---|---|
| Monthly P&I | — | — |
| Total interest | — | — |
| Closing costs | — | — |
| Total cost | — | — |
Mortgage Payoff Calculator
See what happens when you switch to biweekly payments or add an extra principal payment each month.
Refinance Calculator
Compare your current Florida mortgage to a new loan. See monthly savings, break-even point, and total lifetime savings after closing costs.
Rent vs. Buy Calculator
Estimate the total cost of renting versus buying over a holding period, including Florida property tax, insurance, HOA, mortgage payoff, and home appreciation.
Reverse Mortgage Calculator
Estimate the equity a Florida homeowner age 62+ may be able to access with a HECM reverse mortgage. Final eligibility depends on age, home value, FHA lending limits, and current rates.
VA Home Loan Calculator
VA-eligible Florida buyers can purchase with $0 down and no PMI. This calculator estimates your monthly payment with the VA funding fee and disability waiver where applicable.