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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VA Loan Calculator
Full VA loan payment with funding fee (0%–3.3%), subsequent-use entitlement, no-PMI savings, and 2026 county limits. Includes funding fee exemption and rate buydown scenarios.
$0 downNo PMIFunding feeVA entitlement
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.