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Mortgage Calculator

Mortgage Analysis Report

Loan Details
Home Price
$450,000
$50k$2M
$
Down Payment?
20%
0%50%
%
Interest Rate?
6.75%
2%14%
%
FHA Loan
1.75% upfront MIP + 0.85% annual
Monthly Costs
Property Tax /mo?
$350
$0$2,000
$
Homeowners Ins /mo?
$120
$0$500
$
HOA /mo?
$0
$0$1,500
$
PMI Estimate?
Credit Score?
740
620800
MGIC Est: —
%
PMI applies when down < 20%.
DTI Analysis? (optional)
Enter income & debts to see your debt-to-income ratio. Both fields are optional — leave blank to skip.
$
$
Include: car payments, student loans, credit card minimums, child support. Exclude: utilities, groceries, insurance.
Payment Breakdown
Loan Summary
Payment Composition
PrincipalInterest
MonthPaymentPrincipalInterestBalance
Income & Debts
Gross Monthly Income
$8,500
$2k$50k
$
Monthly Debts
$500
$0$5k
$
Interest Rate
6.75%
2%14%
%
Property Tax /mo
$350
$0$2,000
$
Insurance /mo
$120
$0$500
$
HOA /mo
$0
$0$1,500
$
%
%
You Can Afford
Maximum Purchase Price
—
DTI Analysis
Loan Amount
$400,000
$50k$2M
$
Base Rate
7.25%
2%14%
%
pts
Buydown Scenarios
ScenarioYr 1 RateYr 1 PmtYr 2 RateYr 2 PmtYr 3+ RateYr 3+ PmtCostBreak-Even?
Year 1 Savings vs. No Buydown
Property & Loan
Purchase Price
$350,000
$50k$2M
$
Interest Rate
7.50%
2%14%
%
%
Income & Expenses
Monthly Rent
$2,800
$500$10k
$
Property Tax /mo
$300
$0$2,000
$
Insurance /mo
$150
$0$500
$
%
%
$
$
DSCR Analysis
Debt Service Coverage Ratio
—
Investment Metrics?
Current Loan
Remaining Balance
$320,000
$10k$2M
$
Current Rate
7.50%
2%14%
%
New Loan
New Rate
6.25%
2%14%
%
$
Refinance Analysis
Long-Term Comparison
Break-Even Timeline
Sale Details
Sale Price
$550,000
$50k$3M
$
Loan Balance
$280,000
$0$2M
$
Selling Costs
%
%
$
$
$
$
Seller's Net Sheet
Equity Summary
Purchase Details
Home Price
$450,000
$50k$2M
$
Interest Rate
6.75%
2%14%
%
Monthly Rent
$2,200
$500$10k
$
%
%
%
%
$
$
%
%
Results
Year-by-Year
YrBuy EquityRent PortfolioDifference
Loan Details
Home Price
$450,000
$50k$2M
$
Down Payment
20%
0%50%
%
Interest Rate
6.75%
2%14%
%
Extra Payment (Optional)
Extra per Payment?
$0
$0$1,000
$
Standard vs Bi-Weekly
Your Savings
Payoff Timeline
What's Your Comfortable Payment?
Set your target monthly payment and we'll work backwards to show what you can afford — max home price, required income, and ideal down payment.
Target Monthly Payment (PITI)?
$2,500
$500$15,000
$
Loan Assumptions
Interest Rate
6.75%
2%14%
%
Down Payment
20%
0%50%
%
Monthly Cost Assumptions
$
$
$
You Can Afford
Maximum Home Price
—
Breakdown
Income Required by DTI
Down Payment Scenarios
Estimates only. PMI rates based on MGIC published standard tables — actual rates may vary. Consult a licensed mortgage professional.
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About Us

AAA Lending Corp is a Florida-based mortgage company dedicated to helping individuals and families achieve their homeownership goals with confidence and ease. With a strong foundation in the Florida real estate market, we offer a wide range of home loan options including conventional, FHA, VA, USDA, jumbo and Non-QM loans — all tailored to fit the unique needs of our clients. Whether you're a first-time homebuyer, a seasoned investor, or looking to refinance, our knowledgeable team is here to provide expert guidance and a stress-free mortgage experience.

Company NMLS: 2583990

Equal Housing Opportunity

Equal Housing Opportunity

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The content provided by AAA Lending Corp., within this website is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply. Mortgage loans may be arranged through third party providers.