Calculators and tools
Mortgage calculators that start with your numbers
Every tool here works from the numbers you enter. Pick the question you are trying to answer, and if you want Samantha to look at the result, send it to her from the tool.
- No sign-up to use any tool
- Nothing is sent unless you choose to send it
Buying a home
Planning a purchase
Homebuying budget
Start from a monthly payment you are comfortable with and see what has to fit inside it: taxes, insurance and dues.
Open the budget toolRent vs. buy
When owning starts to cost less than renting, in months, from your own rent and costs.
Rent vs. buyMortgage readiness quiz
Eight questions about your timing, savings, credit and job, and what to work on first.
Take the quizCash to close
Add up the down payment, closing costs and reserves you will need, piece by piece.
Count your cash to closeBuy before you sell
How much of your current home's equity is actually available to put toward the next one.
Check your equitySelf-employed documents
Four questions about your business, and only the documents that follow from your answers.
See your document listRental cash flow
What a rental produces after its own costs, with vacancy built in, before the mortgage.
Run the rental numbersRefinancing and home equity
Thinking about your current mortgage
Refinance break-even
How many months until a refinance pays for itself, against how long you expect to keep the loan.
Find your break-evenAvailable equity
What your home is worth, what you owe, and what the money would be for.
Check your equityCash-out vs. home equity
Whether replacing your mortgage or adding a second loan fits what the money is for.
Compare the twoPay it off sooner
How much sooner extra payments or a lump sum pay off your mortgage, or what a recast does to the payment.
Pay it off soonerWhen PMI ends
The month you can ask to cancel mortgage insurance and the month it ends on its own, or the FHA rule.
When PMI endsComparing offers and qualifying
Checking an offer or a number
Loan Estimate check
Upload a Loan Estimate and get feedback, or compare two side by side. Read on your device.
Check a Loan EstimatePoints vs. lender credit
How many months a lower payment takes to earn back points, from two Loan Estimates.
Points vs. lender creditMichigan property tax after you buy
Enter the address for its exact published millage and see your tax after the reset, not the seller's bill.
Michigan property tax after you buyDebt-to-income ratio
Your monthly debts against your income, with the limits the main loan programs use.
Work out your DTIMortgage glossary
Plain-English definitions of the terms on a Loan Estimate and in your loan documents.
Look up a termPayment calculators
Classic payment calculators
Mortgage payment
Principal, interest, taxes, insurance, dues and mortgage insurance for a price and loan you choose.
Estimate a paymentHome affordability
A price range from your income, debts and down payment.
Estimate a price rangeVA loan
A VA payment including the funding fee, for a price and down payment you choose.
Estimate a VA paymentRefinance
Your current payment against a new one, and the months to recover the cost.
Compare paymentsAlign Lending LLC, NMLS #2041154, is a mortgage broker. Samantha Shelton, NMLS 1647301. Equal Housing Opportunity. Licensed in Michigan, Ohio, North Carolina, Florida, Louisiana and Texas. Calculator results are estimates from the numbers you enter. They are not a credit decision, a preapproval, a commitment to lend, or an offer of credit.
