Loan Calculators

Run the numbers yourself before you decide anything. Every calculator shows its formula and each step of the math — the same worked examples as our guides, with your own numbers.

Monthly payment
Refinance break-even
Affordability & DTI
FHA down payment
SBA DSCR
2-1 buydown

Educational only. eLoanTree is not a lender or broker. These calculators do not make loan decisions and do not guarantee rates or approval. Final terms are decided by a licensed lender. We never ask for Social Security numbers or documents.

Monthly Mortgage Payment

Principal & interest, property tax, homeowners insurance, and PMI — the full monthly payment, not just P&I. Answers: Home Loans, Explained from Zero.

Home price ($)

Down payment ($)

Interest rate (%/yr) Example: 7.18% — Freddie Mac PMMS, Nov 5, 2026, national average, not your quote.

Loan term (years)

Property tax (%/yr) Example rate — varies by county and state.

Homeowners insurance ($/mo)

PMI rate (%/yr) Example rate; charged only when down payment is under 20%.

Refinance Break-Even

How many months until the refinance pays for itself? Answers: Should I Refinance in 2026?

Closing costs ($)

Monthly savings ($) New payment minus old payment, per month.

Home Affordability & DTI

What home price fits your income and debts? Answers: First Home Buyer Basics.

Gross monthly income ($)

Other monthly debts ($) Car, student loan, cards, etc. — minimum payments.

Interest rate (%/yr) Example: 7.18% — Freddie Mac PMMS, Nov 5, 2026.

Loan term (years)

Down payment (%)

FHA Down Payment & Limit Check

Does an FHA loan cover this home, and what is the minimum down payment? Answers: First Home Buyer in 2026: FHA Requirements.

Home price ($)

County loan limit

Custom limit ($) Only used when “Custom limit” is selected. Example: San Diego $1,104,000.

Credit score

2026 FHA 1-unit limits: $541,287 floor and $1,249,125 ceiling — HUD Mortgagee Letter 2025-23. Down-payment rules: HUD Handbook 4000.1. Limits are per county; check your county on HUD’s FHA Mortgage Limits lookup.

SBA Loan DSCR

Can the business’s income cover the loan payments? Answers: How Much Business Loan Can You Get? DSCR and the 2026 SBA Limit Table.

Net operating income ($/yr) Annual business income before debt payments.

Annual debt service ($/yr) All loan payments for the year, including the new loan.

DSCR = net operating income ÷ annual debt service. Many lenders look for 1.25 or higher — a common benchmark, not a rule; the final decision is the lender’s. SBA 7(a) and 504 per-loan maximums are $5M each (SBA, 2026).

2-1 Buydown Payment Schedule

What do you pay in year 1, year 2, and after the buydown ends? Answers: Beating a 7% Mortgage: 2-1 Buydown, ARM, Recast, and Discount Points.

Loan amount ($)

Base rate (%/yr) Example: 7.18% — Freddie Mac PMMS, Nov 5, 2026. Year 1 is base − 2, year 2 is base − 1.

Loan term (years)

Sources: Freddie Mac Primary Mortgage Market Survey (PMMS) 30-year 7.18%, Nov 5, 2026; HUD Mortgagee Letter 2025-23 (2026 FHA limits); HUD Handbook 4000.1; SBA 7(a)/504 program limits, 2026. Rates shown are dated national averages and examples — not a quote for any individual borrower.