Mortgage Calculators

NetCORE Lending™'s free mortgage calculators help you estimate your monthly payment, compare loan options, and find out how much home you can afford.

20%

Today's average as of October 5, 2026. Adjust to your quote.

Results

Total Monthly Payment

$2,831.61

Loan Amount$320,000
Principal & Interest$2,264.94
Property Tax$416.67
Insurance$150
Get pre-qualified with these numbers

Carries these figures into the 2-minute form. No credit pull.

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This information is not intended to be an indication of loan qualification, loan approval or commitment to lend. Rates, terms, and availability of programs are subject to change without notice.

Every Calculator

Pick the Question You Are Asking

Each calculator has its own page with answers to the questions borrowers ask most.

Monthly Payment

Conventional Mortgage Calculator

Estimate your monthly payment for a conventional mortgage including principal, interest, taxes, insurance, HOA, and PMI.

Monthly Payment

FHA Loan Calculator

Calculate your estimated monthly payment for an FHA loan including upfront and annual mortgage insurance premiums (MIP).

Monthly Payment

VA Loan Calculator

Estimate your monthly payment for a VA loan including the VA funding fee. No PMI or down payment required for eligible veterans.

Savings

Refinance Calculator

Compare your current mortgage payment with a new loan to see your potential monthly and lifetime savings from refinancing.

How Much House

Home Affordability Calculator

Find out how much home you can afford based on your income, debts, interest rate, and desired loan term.

Qualifying

Debt-to-Income (DTI) Calculator

Check your front-end and back-end debt-to-income ratios against the caps lenders use for conventional, FHA, and VA loans.

Pay Off Early

Extra Payment Calculator

See how much interest you save and how many years you cut off your mortgage by adding an extra amount to each monthly payment.

Should You Buy?

Rent vs. Buy Calculator

Compare the true cost of renting with buying over time, including appreciation, rent increases, selling costs, and what your down payment could earn invested.

Debt Consolidation

Blended Interest Rate Calculator

Find the true average rate you pay across your mortgage, HELOC, cards, and loans, and compare it with one consolidation rate.

Investment Property

DSCR Rental Property Calculator

See whether a rental property's income covers its payment. DSCR lenders qualify the property, not your tax returns, so this ratio is the whole test.

Buy Now or Wait?

Cost of Waiting Calculator

Compare buying today against waiting for lower rates, with appreciation, the larger down payment a higher price needs, and the rent paid while waiting.

Accessory Dwelling Unit

California ADU ROI Calculator

Work out whether a garage conversion or detached ADU carries itself, including the California supplemental tax assessment and what each financing route really costs.

HELOC vs Cash-Out Refi

Equity Access Modeler

Sitting on a low first mortgage? Compare taking a second against refinancing the whole balance, with the blended rate and what each really costs in interest.

Qualify On Assets

Asset Depletion & Utilization Qualifier

Convert cash, brokerage balances and retirement accounts into a qualifying monthly income figure, without W-2 or business income. Compare the 360-month conventional method against non-QM asset utilization.

Rental Add-Backs

Schedule E Rental Income Qualifier

Turn a Schedule E tax loss into the cash-flow figure an underwriter uses. Depreciation, mortgage interest, taxes and insurance added back, then tested against the property's full payment.

Non-QM, No Tax Returns

Bank Statement Income Pre-Screen

Qualify on business deposits instead of tax returns. Expense ratio, ownership share, and what the resulting income supports as a purchase.

FAQ

Frequently Asked Questions

Common questions about mortgage calculators and home financing.

Mortgage calculators provide helpful estimates, but actual rates and payments depend on your credit score, income, debt-to-income ratio, down payment, and current market conditions. For an accurate quote, contact us or start a pre-qualification application.
A typical monthly payment includes principal, interest, property taxes, and homeowners insurance (PITI). Depending on your loan type and down payment, you may also pay private mortgage insurance (PMI) or FHA mortgage insurance premiums (MIP).
The interest rate is the cost of borrowing the principal. The APR (Annual Percentage Rate) includes the interest rate plus lender fees, discount points, and other costs — giving you a more complete picture of the total borrowing cost.
Down payment requirements vary by loan type. Conventional loans start at 3%, FHA at 3.5%, and VA loans offer 0% down. Putting 20% down eliminates PMI on conventional loans. We can help you find assistance programs like CalHFA.
Calculator results are estimates only and do not constitute pre-approval. To get pre-approved, you need to submit a full application with income, asset, and credit documentation. Start your application online or schedule a consultation.
Use the Conventional, FHA, or VA calculator to estimate a monthly payment, Affordability or DTI to see what you qualify for, Refinance or Extra Payment to lower the cost of a loan you already have, Rent vs. Buy to decide whether to buy at all, and Blended Rate to check whether consolidating debt makes sense.

Want a Personalized Quote?

Our calculators give estimates. For exact rates tailored to your situation, apply online or call us directly.

Get Pre-Qualified(714) 399-6361

This information is not intended to be an indication of loan qualification, loan approval or commitment to lend. Rates, terms, and availability of programs are subject to change without notice.

Reviewed by Joann Ton, Loan Officer (NMLS# 1461031) | Last updated: June 2026