VA Residual Income Calculator
See where you stand on VA residual income and DTI, using the same math a lender runs.
- ✓Your full monthly payment, not just principal and interest
- ✓Residual income by family size and region
- ✓Your DTI against the 41% VA guideline
VA Entitlement Calculator
See how much VA entitlement you have left and the biggest price you can buy with $0 down.
- ✓Max purchase price with $0 down
- ✓Remaining entitlement straight from your COE
- ✓Current loan limits for every US county
FHA Loan Calculator
See your full FHA payment with mortgage insurance included, and where your DTI lands against FHA guidelines.
- ✓Full payment including FHA mortgage insurance
- ✓Upfront MIP financed into the loan
- ✓Your DTI against FHA guidelines
Conventional Loan Calculator
See your full conventional payment with PMI included, when PMI ends, and where your DTI lands.
- ✓PMI priced by credit score and down payment
- ✓When PMI ends, and how to end it sooner
- ✓Your DTI against Fannie and Freddie guidelines
Lender math, not marketing math.
Each tool models the actual guideline a lender checks: residual income and DTI for VA, entitlement and county limits for a second VA loan, MIP and DTI guidelines for FHA, and PMI pricing and DTI for conventional.
Nothing between you and the answer.
No signup and no email wall, and your numbers never get saved or sent anywhere. Open a calculator, type your numbers, get your answer.
Built by a working loan officer.
These are the same checks Joshua Payne, NMLS 1515413, runs on real files every day at Payne Home Loans.
Calculators get you close. A quote gets you exact.
When you are ready for exact numbers on a real house, get them from a licensed loan officer who does this every day.