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HomeRates Lab
← Affordability Calculator
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What's your
mortgage question?
Real math. Live rates. No sales. No gatekeepers.
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Analyze Property
Works on sold, pending, and off-market properties · Instant refi readiness · No account needed
Live Scenarios
🏠
Can I afford it?
~$850k–$950k CA range
~$4,800/mo on $180k salary
🔁
Should I refi?
~$510/mo savings
$750k CA balance · break-even
📐
Cash flow check
DSCR ~1.08 — SoCal rental
$650k rental · $4,200/mo rent
🗝️
FHA low down
3.5% down · $24,500 to close
$700k LA home · payment incl. MIP
🎖️
VA — $0 down
No down · no PMI
$850k home · full breakdown
🏛️
Jumbo $1.5M
20% down · ~$8,900/mo
Reserves & qualification guide
Quick scenarios
Price Check — paste your Zillow or Redfin URL
$832,750 · 20% down · conforming
$832,750 · 10% down · PMI?
High Balance · $1.1M LA · 15% down
DSCR · $650k rental · $4,200 rent
VA loan · $850k · no down payment
Jumbo · $1.5M · 20% down
CA loan limits · LA County 2026
Refi: $750k CA at 7.25% → breakeven?
How much house on $180k salary?
HomeRates vs ChatGPT
HomeRates.ai — Mortgage AI Chat
