Calculators

Numbers before signatures.

Free calculators that give you honest math on VA loans — no email gate, no follow-up sales call unless you want one.

How much home can I actually buy?

Income, debts, and credit → your realistic VA loan price range with PITI.

What's the PITI on a specific home?

Price, down, rate, taxes, insurance, HOA — full monthly payment breakdown.

The one closing cost unique to VA loans.

First use vs. subsequent, down payment tier, exemptions — see it in dollars.

IRRRL or cash-out — what does it save you?

Compare current vs. new loan, see the break-even month, and the lifetime savings.

The gross-up most loan officers miss.

VA disability, BAH, BAS, combat pay — nontaxable income gets grossed up 25% for qualifying. See the extra borrowing power in dollars.

Do the upgrades pay for themselves?

Run utility-bill savings, payback period, and monthly cash-flow impact of financing solar, insulation, HVAC, or other energy upgrades into a VA loan.

Divorce equity buyout without a full refinance.

Model the Owelty lien amount, combined LTV, and monthly payments when one spouse keeps the home and owes the other equity.