Calculator Center
Run the numbers. Make your next move.
Free real estate calculators for buying, financing, selling, investing and building in the Houston area. Mortgage payments by loan type, seller net sheet, buyer cash to close, hard money, DSCR, rentals and more. No email required.
Buying & Financing
Payments, loan programs, affordability and refinancing.
- Mortgage paymentTotal monthly cost for conventional, FHA, VA, USDA and jumbo loans.
- Conventional loanPMI and when it ends, with your full monthly cost.
- FHA loanUpfront and annual FHA mortgage insurance, by HUD's table.
- VA loanFunding fee by down payment and use, with exemptions.
- USDA loanGuarantee fees for FY2027 and the monthly cost.
- Jumbo loanLoans above the 2026 conforming limit.
- Adjustable-rate (ARM)Caps, floor and margin, with index scenarios.
- Interest-onlyThe payment during and after the interest-only period.
- Balloon / seller financingPayment, balloon amount and when it comes due.
- Refinance / cash-outBreak-even, cash out and cost over the years you keep the loan.
- Extra paymentsInterest saved and how much sooner you pay off.
- Discount pointsCompare rate options and find the break-even.
- Temporary buydown2-1, 1-0 and 3-2-1 payments and the subsidy cost.
- Home equity / HELOCHow much you can borrow and what it costs.
- AffordabilityA price range from your income, debts and limits.
- Rent vs buyNet worth after buying vs renting, under your assumptions.
- Compare loansUp to three loans side by side.
Selling & Closing
What you net, what you bring to closing, and title costs.
Investing & Rental Properties
Hard money, DSCR, rentals, flips and BRRRR.
- Hard money loanEvery leverage limit, draws, interest and peak cash.
- Fix and flipProfit, ROI and break-even, with or without a loan.
- DSCR loanResidential and commercial methods, kept separate.
- Rental cash flowNOI, cash flow, cap rate, cash-on-cash and more.
- Cap rate and GRMNOI, cap rate, gross rent multiplier and implied value.
- BRRRRBuy, rehab, rent, refinance: cash left in the deal.
- Maximum offer (MAO)Back into a price from ARV, costs and profit target.
- Short-term rentalRevenue you estimate, every cost, and cash flow.
- Investment refinanceCash out on a rental under LTV and DSCR limits.
- Commercial propertyNOI, DSCR, debt yield, cap rate and balloon.
Renovating & Building
Renovation budgets and construction loans.
About these calculators
Every calculator runs in your browser. Nothing you type is sent anywhere unless you choose to send it with a request to Michael, and income, debts and loan balances are never sent, shared in links or recorded in analytics.
Loan program figures (FHA mortgage insurance, VA funding fees, USDA fees, 2026 loan limits) and Texas title premiums come from official sources, listed with the results and dated. Example interest rates are illustrative, not quotes.
Estimate only. Actual loan terms, eligibility, insurance, taxes, and settlement charges require verification. These are planning estimates, not a lender Loan Estimate, Closing Disclosure, appraisal, or approval.