2026 Guidelines

Mortgage Calculators

Free calculators built on 2026 HUD and FHFA guidelines, live FRED rate data, and deterministic math — no AI guesswork in the numbers. Built by HomeRates.ai.

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Affordability Calculator

How much house can you afford? Enter your income and savings — get three real scenarios (FHA, 3% down, 20% down) with monthly payment, cash needed, and DTI analysis.

First-time buyersIncome-basedFHA + Conventional

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FHA Loan Calculator

Full FHA payment breakdown including UFMIP (1.75%), monthly MIP (0.55%/yr), property taxes, and insurance. MIP duration logic and FHA vs conventional comparison.

2026 HUD limitsMIP breakdownFHA vs Conv

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DSCR Calculator

Rental property cash flow and debt service coverage ratio. Full PITIA breakdown, lender qualification status, and cash-on-cash return. No income docs required.

Investment propertyNo income docsNon-QM

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Refinance Calculator

Breakeven analysis, monthly savings, and rate-watch trigger points for your refi decision. Includes FHA-to-conventional refi math and no-cost refi comparison.

Breakeven analysisRate triggersFHA-to-Conv refi

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Conventional Loan Calculator

Full conventional payment with PMI, exact PMI cancellation year, DTI analysis, and FHA vs conventional comparison. 2026 FHFA limits.

PMI cancellationDTI analysisFannie Mae

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Jumbo Loan Calculator

Jumbo affordability calculator for properties above $832,750. Adjustable price, down payment, and rate sliders with conforming zone crossover callouts and reserve estimates.

Above $832kJumbo zoneReserve calc

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Affordability by salary

How much house on your income?

Real payment breakdowns, debt impact analysis, and savings requirements at specific income levels.

$80k salary $95k salary $100k salary $120k salary $150k salary

How these calculators work

Every calculator uses a deterministic calculation engine — the same inputs always produce the same output, with no AI estimation in the math. Results match what a licensed loan officer would calculate using the same inputs.

Rate data is pulled live from FRED (Freddie Mac PMMS, updated weekly). Loan limits reflect 2026 FHFA conforming limits ($832,750) and 2026 HUD FHA limits per HUD Mortgagee Letter No. 25-145.

Educational purposes only. HomeRates.ai is not a lender, broker, or mortgage advisor. Results are estimates based on your inputs. Consult a licensed mortgage professional for a formal pre-approval. Equal Housing Opportunity.