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All 15 Calculators
Each tool opens a dedicated page with full results, tips, and expert guidance.
Mortgage Payment
Estimate your monthly principal, interest, taxes, and insurance.
Open Calculator →Home Affordability
Find out how much house your income can support.
Open Calculator →Refinance Savings
Compare your current loan vs a new rate to see monthly savings.
Open Calculator →Investment Property
Analyze rental cash flow, cap rate, and returns.
Open Calculator →Down Payment
Calculate how much you need to save and explore low-down options.
Open Calculator →Closing Costs
Estimate lender fees, title insurance, prepaid items, and more.
Open Calculator →DTI Calculator
Calculate your debt-to-income ratio and see what lenders require.
Open Calculator →Amortization Schedule
View your full loan breakdown with optional extra payments.
Open Calculator →Home Equity
See how much equity you've built and your borrowing power.
Open Calculator →Play With My Rate
Adjust credit score, down payment, and loan type to see rate impact.
Open Calculator →Investment Loan Compare
Compare DSCR, conventional, and portfolio loan options.
Open Calculator →DSCR Calculator
Calculate debt service coverage ratio for investment properties.
Open Calculator →VA Loan Benefits
Compare VA loan savings vs conventional — funding fee, PMI, rates.
Open Calculator →Rent vs Buy
Compare the true cost of renting vs buying over 5-30 years.
Open Calculator →Savings Calculator
Plan your savings goal with compound interest projections.
Open Calculator →See What You Qualify For
Complete your mortgage application in minutes — no login required
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How to Use Our Calculators
Our mortgage calculators help you estimate monthly payments, compare loan programs, and plan your homebuying budget. Each calculator is tailored to a specific loan type so you can see exactly how different programs affect your payment. For the most accurate numbers, contact an NMHL loan officer for a personalized rate quote.
- Use the basic mortgage calculator to determine what monthly payment fits your budget before exploring specific loan programs.
- Run calculations across FHA, VA, conventional, and other loan types to find the best fit for your down payment and credit profile.
- Remember that your total monthly housing cost includes principal, interest, property taxes, insurance, and potentially PMI or HOA fees.
- Calculator estimates are a starting point. Contact NMHL for exact rates based on your credit score, loan amount, and property details.
Calculator FAQ
Our calculators provide close estimates based on your inputs. Actual payments may vary slightly based on exact property taxes, insurance rates, and any HOA fees. For a precise quote, contact an NMHL loan officer.
Start with the basic mortgage payment calculator to get a general idea of your monthly cost. Then use program-specific calculators (FHA, VA, etc.) to compare options based on your eligibility.
No. Our calculators are free to use with no login or personal information required. Enter hypothetical numbers to explore different scenarios.
Use current market averages as a starting point, or contact NMHL for a personalized rate based on your credit score and financial profile. Even small rate differences significantly affect your monthly payment.
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