Calculators
Numbers you can trust,
before you call.
Mortgage Go's complete calculator suite — payment, affordability, refinance savings, VA funding fee, DSCR, and more. All math runs in your browser.
Which mortgage calculator should I use?
Mortgage Go offers eight calculators covering every common borrower scenario — purchase, VA, DSCR for investors, affordability across all programs, refinance break-even, rent vs. buy, VA IRRRL, and fix-and-flip. Use the tabs below to switch between calculators, or visit each calculator's standalone page for deeper guidance.
VA Purchase Calculator
Open standalone pageThe VA Purchase Calculator estimates your full monthly payment on a VA loan — principal, interest, taxes, insurance, and HOA — plus the VA funding fee, which varies by first-use, subsequent-use, or exempt status. Use it if you're a veteran, active-duty service member, or eligible surviving spouse comparing a $0-down VA loan to a conventional or FHA option.
Estimated monthly payment (PITI + HOA)
$3,853
- Principal & interest
- $3,228
- Funding fee
- $10,750
- Funding fee rate
- 2.15%
- Loan amount (financed)
- $510,750
- Tax + insurance
- $625
- HOA
- $0
Ready to lock your VA rate?
Get pre-qualified in about 8 minutes — no credit pull.
Results are estimates for comparison only. Actual rates, fees, and payments depend on your credit, lender, and market conditions. Not a commitment to lend.
All calculators
VA Purchase Calculator
Estimate your VA loan monthly payment, including funding fee by first-use, subsequent-use, or exempt status. No PMI. $0-down eligible.
DSCR Calculator
Calculate DSCR, NOI, cap rate, cash-on-cash return, and monthly payment for a rental property. Qualify by property income — not personal W-2s.
Affordability Calculator
See your max home price by program — Conventional, FHA, VA, USDA, Jumbo. Each branch applies the right DTI cap, PMI, MIP, funding fee, or guarantee fee.
Refinance Calculator
Compare your current loan to a refinance: new monthly payment, total interest, and the exact month you recoup closing costs.
Rent vs. Buy Calculator
Should you rent or buy? Compare 10-year net wealth, break-even year, and the full cost of each path — not just the monthly payment.
Purchase Calculator
Estimate your monthly mortgage payment with principal, interest, taxes, insurance, HOA, and PMI. Model extra payments and lump-sum payoff.
VA IRRRL Calculator
Compare a VA IRRRL streamline refinance to a VA cash-out refinance. See the 0.5% funding fee, break-even month, and monthly savings.
Fix & Flip Calculator
Model a fix-and-flip deal: loan amount, monthly interest, closing costs, equity needed, net profit, ROI, and loan-to-ARV in one view.
Home Value EstimatorComing soon
Estimate your home's value from recent comparable sales and learn how to use your equity.
Frequently asked questions
How accurate are these calculators?+
Each calculator uses standard mortgage math and the published VA, FHA, and USDA fee schedules. Results are estimates — actual rates and fees depend on your credit, lender, and market conditions.
Which calculator should I start with?+
If you're house-hunting, start with Affordability. If you're a veteran, the VA Purchase calculator handles the funding fee. If you already own and rates have dropped, use Refinance.
Do you save my inputs?+
No. All calculations run locally in your browser. Nothing is sent to our servers unless you choose to get pre-qualified.