Mortgage Calculator Suite

VMA Mortgage Calculator Suite

Purchase, affordability, qualification, refinance, ARM, HELOC, DSCR, and rent vs buy calculators.

Purchase Calculator

Purchase Price

First-Time Homebuyer?

Occupancy / Property Type

Credit Score

Down Payment

Select your occupancy and credit score. The calculator will guide minimum down payment rules and estimate both FHA and Conventional side by side.

Loan Term (Years)

Annual Taxes

Annual Insurance

Monthly HOA

Affordability Calculator

Gross Monthly Income

Monthly Debts

Down Payment Available

Interest Rate (%)

Loan Term (Years)

Front-End DTI (%)

Back-End DTI (%)

Taxes + Insurance (% of price/year)

Qualification Calculator

Gross Monthly Income

Existing Monthly Debts

Target Housing Payment

Max Back-End DTI (%)

Rent vs Buy Calculator

Monthly Rent

Rent Increase Per Year (%)

Home Price

Down Payment

Interest Rate (%)

Years in Home

Home Appreciation (%)

Maintenance (% of price/year)

Refinance Calculator

Current Balance

Current Rate (%)

Years Remaining

New Rate (%)

New Term (Years)

Closing Costs

ARM Calculator

Loan Amount

Fixed Rate (%)

ARM Intro Rate (%)

ARM Intro Years

ARM Reset Rate (%)

Total Term (Years)

Interest-Only Years

Balloon Due In Years

HELOC Calculator

HELOC Balance / Initial Draw

Rate (%)

Draw Term (Years)

Total Term (Years)

DSCR Calculator

Monthly Market Rent

Monthly PITI + HOA

Take the Next Step

See your personalized results and explore your options.

Start an Online Application

Ready to move forward? Start your online application now.

Start Application

Calculator results are estimates only and not a credit decision or commitment to lend. PMI, MIP, taxes, insurance, HOA, HELOC, ARM, refinance, and qualification figures may vary by lender, credit profile, occupancy, property type, and final underwriting.