Calculations Made Easy
Mortgage Calculators
16 purpose-built tools. No login, no credit check, no data collected — run any scenario instantly.
NMLS #1498678 · Licensed in Oregon & California
Get Started in 3 Steps
How to Use These Calculators
Choose Your Calculator
Browse the 16 purpose-built tools. Each card shows what it calculates and who it's for. Hover to preview — click to pin it open.
Enter Your Figures
Input your loan details — purchase price, down payment, rate, and term. No login, no credit check, no personal information needed.
Model & Share Scenarios
Adjust variables in real time to compare outcomes. Use the 'Full page' link on any card for a shareable, bookmark-friendly URL.
16 Purpose-Built Tools
Select a Calculator
Hover to preview · Click to pin open
Mortgage
Estimate your monthly principal & interest payment, compare 15- vs. 30-year terms, and see total interest paid over the life of the loan
Conventional & PMI
Calculate your conventional loan payment with FICO-score-based PMI rates, see exactly when PMI cancels under the Homeowners Protection Act, and find out how much you'd save by improving your credit score before applying.
FHA MIP
Calculate your FHA upfront MIP (1.75%, financed into the loan), monthly mortgage insurance premium, and see precisely how your down payment affects MIP rate, duration, and total lifetime cost.
USDA Loan
Calculate your USDA Guaranteed loan payment with 0% down, 1.00% upfront guarantee fee, and 0.35% annual fee
VA Loan & Entitlement
Calculate your VA entitlement, required down payment, maximum zero-down loan amount, and funding fee
Debt-to-Income
Calculate your front-end housing ratio and back-end total DTI using gross income and all monthly obligations
Blended Rate
Calculate the weighted average rate across multiple loans, model your monthly savings from a refinance, and find the break-even point where refinancing costs pay for themselves.
Refinance
Model a rate-and-term refinance using your actual loan history. Enter original amounts, rates, terms, and first payment dates to see your true remaining balance, compare it to proposed new terms, and calculate the exact break-even point on closing costs.
Agricultural
Model farm and ranch loan payments at typical 25–35% down payments, compare 20-, 25-, and 30-year amortization schedules, and see how rate changes affect monthly carrying costs on large balances.
DSCR
Calculate the debt-service coverage ratio for any rental property, find the minimum rent needed to hit 1.0 and 1.25 DSCR thresholds, and model how your down payment affects qualification.
Construction
Plan construction-to-permanent financing with draw schedule interest-only payments, editable permanent loan rate, and an optional PITI breakdown once the loan converts.
ADU Project
Model your ADU project from budget to cash flow. Compare All Cash vs. HELOC vs. cash-out refinance financing, estimate rental income, and see the projected return on your investment
Bridge Loan
Estimate your bridge loan amount (up to 80% LTV minus existing mortgage), monthly interest cost, total bridge interest over the term, and compare it against the real cost of temporary housing
Renovation Loan
Estimate FHA 203(k) or HomeStyle Renovation loan payments for a purchase or refinance
Commercial CRE
Model a commercial real estate loan with NOI-based DSCR analysis, cap rate, debt yield, and full amortization
Invest vs. Down Payment
Compare two paths: put 20% down on a home vs. use a VA zero-down loan and invest the freed capital. See which strategy builds more net wealth over 5–30 years
Hover a calculator above to preview it here
Click to pin it open while you work
Our Philosophy
Why We Built These Calculators
"The most important conversation in mortgage lending shouldn't happen at the closing table — it should happen weeks before, at your kitchen table, with the full picture in front of you."
We built these 16 calculators because we believe the information asymmetry in mortgage lending is a problem worth solving. Lenders have access to detailed pricing models, product matrices, and scenario tools every day. Borrowers historically have not — and that imbalance costs families real money. These tools exist to close that gap.
Financial Advocacy
Every borrower deserves the same clarity that lenders have. These tools put professional-grade math in your hands before you ever sit across from a loan officer — so you walk in as a peer, not a passenger.
Radical Transparency
Mortgage pricing is notoriously opaque. Our calculators surface every variable — PMI tiers, MIP premiums, VA funding fees, DSCR ratios, draw-period interest — so nothing blindsides you at closing.
Well-Informed Borrowers
A borrower who understands their debt-to-income ratio, knows PMI cancels at 80% LTV, and can model a refinance break-even point makes better decisions — for their household and their financial future.
No Strings Attached
No login. No credit check. No personal data collected. Run any scenario, as many times as you want, completely privately. We earn business by being genuinely helpful — not by harvesting your information.
Built for Real Scenarios
Generic calculators use national averages. Ours are calibrated for the markets we serve — USDA-eligible rural zones in Oregon, CalHFA down payment programs, agricultural land, ADU projects, and investment properties up to $10 million.
Education, Not a Pitch
These tools aren't a sales funnel — they're a resource. Use them to compare loan types, stress-test affordability, or explain a product to a family member. When you're ready to talk, we're here.
16
Free calculators
0
Data collected
∞
Scenarios you can run
Common Questions
Frequently Asked Questions
Explore Further
Related Resources
Mortgage Glossary & Key Finance Terms
82 terms across 6 categories — ARM, DTI, PITI, LTV, DSCR, and more.
All calculator results are estimates for informational purposes only and do not constitute a loan commitment or guarantee of any specific rate or terms. Actual loan terms will depend on creditworthiness, property type, and market conditions. Lumen Mortgage Corporation · NMLS #1498678 · Licensed in Oregon & California · 920 SW 6th Ave, Suite 1200, Portland, OR 97204.