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Mortgage calculators.
Monthly payment, affordability, DTI, refinance break-even, rent vs buy, and rental cash flow — all in one place.
Monthly mortgage payment
Estimated monthly payment
$3,404
- Principal & interest
- $2,854
- Property taxes
- $400
- Homeowners insurance
- $150
Estimate excludes HOA dues and PMI. Get a personalized quote for exact figures.
How much house can you afford?
Estimated home price you can afford
$528,590
Max housing payment: $3,700/mo
Conventional loans typically allow up to 45–50% DTI; FHA up to 50%; jumbo around 43%. Adjust the cap to match your loan type.
Debt-to-income (DTI) calculator
Your DTI ratio
32.0%
Excellent
Most lenders want back-end DTI under 43%. Some programs allow up to 50% with strong compensating factors.
Refinance break-even calculator
Monthly savings
$334
- Current P&I
- $2,797
- New P&I
- $2,463
- Break-even point
- 19.5 months
- Net savings over 5 yrs
- $13,539
Refinancing usually makes sense if you'll keep the loan past the break-even point.
Rent vs buy calculator
Buying advantage over 7 yrs
$36,001
- Total rent paid
- $220,679
- Total cost of owning
- $334,432
- Equity gained (appreciation)
- $149,754
- Owning monthly cost
- $3,981
Includes mortgage P&I, taxes, insurance, and ~1% annual maintenance. Excludes tax deductions and selling costs.
Investment property cash flow calculator
Monthly cash flow
-$151
- Annual cash flow
- -$1,809
- Cash-on-cash return
- -1.52%
- Cap rate
- 5.87%
- DSCR
- 1.19
- Total monthly expenses
- $3,351
DSCR ≥ 1.20 typically qualifies for the best DSCR loan pricing.
Ready to get pre-approved?
Get real numbers from a licensed Colorado mortgage broker.