Calculators
Run the numbers before you run the race.
Honest calculators for the questions everyone asks. Pick the one that matches yours.
Today's average rates:Conventional 6.71%FHA 6.29%VA 6.31%national 30-yr averages, Aug 16
Monthly payment
What will this house actually cost each month?
The whole payment, not just principal and interest: taxes, insurance, and mortgage insurance across Conventional, FHA, and VA.
- Today's average rates built in
- Taxes, insurance, and MI included
- See the true cost of owning
How much can I afford?
What price range actually fits my budget?
Start from your income and debts, or from the monthly payment you want, with a comfort meter that shows the line between safe and stretched.
- From your income or a target payment
- HOA and condo fees included
- Comfort meter, not just a max number
Loan comparison
Which loan actually costs less?
Line up two or three options side by side: FHA vs conventional, 15 vs 30 year, points vs no points, competing quotes, and down payment assistance structures.
- A clear winner at your timeline
- Grants, forgivable, silent, repayable DPA
- Cash to close and true cost, side by side
Refinance savings
Would refinancing actually pay off?
Tell it how long you plan to keep the loan and get a straight verdict: ahead or behind at your horizon, break-even included.
- A clear verdict for your timeline
- Cash-out and closing cost choices
- Lifetime cost, not just the payment
Sell or rent it out?
Should my next move keep the old house?
Moving up or downsizing: compare selling against keeping your home as a rental, with your low rate priced as the asset it is.
- Both paths, side by side
- Monthly cost now vs wealth at year 10
- Works for downsizing too
Home equity (HELOC & loan)
How do I tap equity without losing my rate?
Compare a HELOC and a home equity loan with today's average rates, your blended rate, and the debt consolidation math.
- Both products side by side
- Blended rate vs a cash-out refi
- The draw-period step-up, priced in
Investment property
Does this deal actually pencil?
Buy and hold, BRRRR, or fix and flip. Full deal analysis free with no login, and email yourself the report when it's dialed in.
- Cash flow, cash-on-cash, cap rate
- BRRRR cash-out and flip profit math
- Free emailed report, no login
Calculators estimate. We quote.
Real pricing from lenders competing for your file, matched to your actual situation. Two minutes to start, no cost, no obligation.
Guthix Lending • NMLS# 2672037 · Calculator results are estimates for illustration only, based on your inputs and national average rates. They are not a quote, a pre-approval, or a commitment to lend.