approveme@uhomemortgage.com
404-919-5533
Apply Now
See What I Qualify For
Call Now
Apply now

Calculators

PaymentAffordabilityRefinanceBuydownNet ProceedsDSCRRent VS Buy

Payment Calculator

ConventionalFHAVAUSDAJumbo
Home Value
$
Down Payment
{{ downPaymentMode === 'percent' ? '%' : '$' }}
Loan Term
Base Mortgage Amount
$
Interest Rate ⓘ
%
Property State
Property Tax (Yearly)
{{ propertyTaxMode === 'percent' ? '%' : '$' }}
Homeowners Insurance (Yearly)
$
HOA Dues (Monthly)
$
PMI (Monthly)
$
Monthly Mortgage Payment
{{ formatCurrency(totalMonthlyPayment) }}

See below for an estimate including Principal, Interest, Taxes, and Insurance

Payment Breakdown

{{ formatCurrency(totalMonthlyPayment) }} per month
Principal & Interest
{{ formatCurrency(monthlyPI) }}
Taxes
{{ formatCurrency(calculatedAnnualTax / 12) }}
Insurance
{{ formatCurrency(annualInsurance / 12) }}
HOA Dues
{{ formatCurrency(monthlyHOA) }}
Monthly PMI
{{ formatCurrency(monthlyPMI) }}

Success!

Your request has been sent.

Email me this!

Send yourself a summary with all the data from the calculator.

Contact Us

Feel free to send us a message. Our group of friendly staff is here to help.

Home Value
$
Down Payment
{{ downPaymentMode === 'percent' ? '%' : '$' }}
Loan Term
Base Mortgage Amount
$
Interest Rate ⓘ
%
Property State
Property Tax (Yearly)
{{ propertyTaxMode === 'percent' ? '%' : '$' }}
Homeowners Insurance (Yearly)
$
HOA Dues (Monthly)
$
Upfront MIP
%
Annual MIP
%
Monthly Mortgage Payment
{{ formatCurrency(totalMonthlyPayment) }}

See below for an estimate including Principal, Interest, Taxes, and Insurance

Payment Breakdown

{{ formatCurrency(totalMonthlyPayment) }} per month
Principal & Interest
{{ formatCurrency(monthlyPI) }}
Taxes
{{ formatCurrency(calculatedAnnualTax / 12) }}
Insurance
{{ formatCurrency(annualInsurance / 12) }}
HOA Dues
{{ formatCurrency(monthlyHOA) }}
Monthly MIP
{{ formatCurrency(monthlyMIP) }}

Success!

Your request has been sent.

Email me this!

Send yourself a summary with all the data from the calculator.

Contact Us

Feel free to send us a message. Our group of friendly staff is here to help.

Share this calculator

Share this calculator with all the calculated data.

Home Value
$
Down Payment
{{ downPaymentMode === 'percent' ? '%' : '$' }}
Loan Term
Base Mortgage Amount
$
Interest Rate ⓘ
%
Payment Frequency
This is my...
VA Funding Fee
$
Property State
Property Tax (Yearly)
{{ propertyTaxMode === 'percent' ? '%' : '$' }}
Homeowners Insurance (Yearly)
$
HOA Dues (Monthly)
$
Final Mortgage Amount
$
First Payment Date
Monthly Mortgage Payment
{{ formatCurrency(totalMonthlyPayment) }}

See below for an estimate including Principal, Interest, Taxes, and Insurance

Payment Breakdown

{{ formatCurrency(totalMonthlyPayment) }} per month
Principal & Interest
{{ formatCurrency(monthlyPI) }}
Taxes
{{ formatCurrency(calculatedAnnualTax / 12) }}
Insurance
{{ formatCurrency(annualInsurance / 12) }}
HOA Dues
{{ formatCurrency(monthlyHOA) }}

Success!

Your request has been sent.

Email me this!

Send yourself a summary with all the data from the calculator.

Contact Us

Feel free to send us a message. Our group of friendly staff is here to help.

Share this calculator

Share this calculator with all the calculated data.

Home Value
$
Down Payment
{{ downPaymentMode === 'percent' ? '%' : '$' }}
Loan Term
Base Mortgage Amount
$
Interest Rate ⓘ
%
Property State
Property Tax (Yearly)
{{ propertyTaxMode === 'percent' ? '%' : '$' }}
Homeowners Insurance (Yearly)
$
HOA Dues (Monthly)
$
Monthly Mortgage Payment
{{ formatCurrency(totalMonthlyPayment) }}

See below for an estimate including Principal, Interest, Taxes, and Insurance

Payment Breakdown

{{ formatCurrency(totalMonthlyPayment) }} per month
Principal & Interest
{{ formatCurrency(monthlyPI) }}
Taxes
{{ formatCurrency(calculatedAnnualTax / 12) }}
Insurance
{{ formatCurrency(annualInsurance / 12) }}
HOA Dues
{{ formatCurrency(monthlyHOA) }}
Monthly USDA Mortgage Insurance
{{ formatCurrency(monthlyUSDAInsurance) }}

Success!

Your request has been sent.

Email me this!

Send yourself a summary with all the data from the calculator.

Contact Us

Feel free to send us a message. Our group of friendly staff is here to help.

Share this calculator

Share this calculator with all the calculated data.

Home Value
$
Down Payment
{{ downPaymentMode === 'percent' ? '%' : '$' }}
Loan Term
Base Mortgage Amount
$
Interest Rate ⓘ
%
Property State
Property Tax (Yearly)
{{ propertyTaxMode === 'percent' ? '%' : '$' }}
Homeowners Insurance (Yearly)
$
HOA Dues (Monthly)
$
PMI (Monthly)
$
Monthly Mortgage Payment
{{ formatCurrency(totalMonthlyPayment) }}

Payment Breakdown

{{ formatCurrency(totalMonthlyPayment) }} per month
Principal & Interest
{{ formatCurrency(monthlyPI) }}
Taxes
{{ formatCurrency(calculatedAnnualTax / 12) }}
Insurance
{{ formatCurrency(annualInsurance / 12) }}

Affordability Calculator

ConventionalFHAVAUSDAJumbo
Gross Income (Monthly)
This is the gross monthly income before taxes are taken out. Only use income that will likely continue.
$

Monthly Debts

Auto loans (Monthly)
$
Student loans (Monthly)
$
Credit cards (Monthly)
$
Alimony & Child Support (Monthly)
$
Rental Property Loans (Monthly)
$
Other payments (Monthly)
$
Home Price
$
Down Payment
{{ downPaymentMode === 'percent' ? '%' : '$' }}
Loan Term
Base Mortgage Amount
$
Interest Rate ⓘ
%
Credit Score
Property State
Property Tax (Yearly)
{{ propertyTaxMode === 'percent' ? '%' : '$' }}
Homeowners Insurance (Yearly)
$
HOA Dues (Monthly)
$
PMI (Monthly)
$
Your debt-to-income ratio is within the allowable range. Your debt to income ratio may exceed the maximum allowable ratio!
Debt-to-income Ratio
{{ dtiSummary }}
Allowable Debt to Income Ratio
{{ allowableSummary }}
{{ qualificationMessage }}
Monthly Mortgage Payment
{{ formatCurrency(totalMonthlyPayment) }}

See below for an estimate including Principal, Interest, Taxes, and Insurance

Payment Breakdown

{{ formatCurrency(totalMonthlyPayment) }} per month
{{ item.label }}
{{ formatCurrency(item.value) }}

Loan Details

Home Value{{ formatCurrency(homePrice) }}
Mortgage Amount{{ formatCurrency(loanAmount) }}
Monthly Conventional Payment{{ formatCurrency(monthlyPI) }}
Down Payment{{ formatCurrency(downPaymentAmount) }}
Monthly Estimated PMI{{ formatCurrency(monthlyPMI) }}

Success!

Your request has been sent.

Email me this!

Send yourself a summary with all the data from the calculator.

Contact Us

Feel free to send us a message. Our group of friendly staff is here to help.

Share this calculator

Share this calculator with all the calculated data.

Gross Income (Monthly)
This is the gross monthly income before taxes are taken out. Only use income that will likely continue.
$

Monthly Debts

Auto loans (Monthly)
$
Student loans (Monthly)
$
Credit cards (Monthly)
$
Alimony & Child Support (Monthly)
$
Rental Property Loans (Monthly)
$
Other payments (Monthly)
$
Home Price
$
Down Payment
{{ downPaymentMode === 'percent' ? '%' : '$' }}
Loan Term
Loan Amount
$
Interest Rate ⓘ
%
Credit Score
Property State
Property Tax (Yearly)
{{ propertyTaxMode === 'percent' ? '%' : '$' }}
Homeowners Insurance (Yearly)
$
HOA Dues (Monthly)
$
Upfront MIP (Financed)
%
Annual MIP Rate (Yearly)
%
Your debt-to-income ratio is within the allowable range. Your debt to income ratio may exceed the maximum allowable ratio!
Debt-to-income Ratio
{{ dtiSummary }}
Allowable Debt to Income Ratio
{{ allowableSummary }}
{{ qualificationMessage }}
Monthly Mortgage Payment
{{ formatCurrency(totalMonthlyPayment) }}

See below for an estimate including Principal, Interest, Taxes, and Insurance

Payment Breakdown

{{ formatCurrency(totalMonthlyPayment) }} per month
{{ item.label }}
{{ formatCurrency(item.value) }}

Loan Details

Home Value{{ formatCurrency(homePrice) }}
Base Loan Amount{{ formatCurrency(loanAmount) }}
Monthly FHA Payment{{ formatCurrency(monthlyPI) }}
Down Payment{{ formatCurrency(downPaymentAmount) }}
FHA Loan Amount{{ formatCurrency(financedLoan) }}
Upfront MIP{{ formatCurrency(ufmipAmount) }}

Success!

Your request has been sent.

Email me this!

Send yourself a summary with all the data from the calculator.

Contact Us

Feel free to send us a message. Our group of friendly staff is here to help.

Share this calculator

Share this calculator with all the calculated data.

Home Price
Down Payment
Loan Term
Loan Amount
Interest Rate
These rates are pulling directly from Freddie Mac's National average rates as a guide. You can request your custom breakdown by submitting the form inside calc.
Property State
Property Tax
(Yearly)
Homeowners Insurance
(Yearly)
HOA Dues
(Monthly)
Upfront MIP
Annual MIP
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Monthly Mortgage Payment
$2,912.01

See below for an estimate including Principal, Interest, Taxes, and Insurance

Payment Breakdown

$3,876.82
per month
Principal & Interest$2,912.01
Taxes$383.33
Insurance$375.00
HOA Dues$0.00
PMI$206.48
Email me this
Contact Us
Share
Disclaimer

Results received from this calculator are designed for comparative purposes only, and accuracy is not guaranteed. This calculator is made available to you as an educational tool only and calculations are based on borrower-input information. This is not an advertisement for the above terms, interest rates, or payment amounts.We do not guarantee the accuracy of any information or inputs by users of the software. This calculator does not have the ability to pre-qualify you for any loan program which should be verified independently with one of our Loan Consultants. Qualification for loan programs may require additional information such as credit scores and cash reserves which is not gathered in this calculator. Information such as interest rates and pricing are user input should not be perceived as a quote. Additional fees such as HOA dues are not included in calculations. All information such as interest rates, taxes, insurance, PMI payments, etc. are estimates and should be used for comparison only. We do not guarantee any of the information obtained by this calculator. To get an accurate rate and fee quote and to be prequalified or preapproved please use the contact form to request further assistance.

Gross Income (Monthly)
This is the gross monthly income before taxes are taken out. Only use income that will likely continue.
$

Monthly Debts

Auto loans (Monthly)
$
Student loans (Monthly)
$
Credit cards (Monthly)
$
Alimony & Child Support (Monthly)
$
Rental Property Loans (Monthly)
$
Other payments (Monthly)
$
Home Price
$
Down Payment
{{ downPaymentMode === 'percent' ? '%' : '$' }}
Loan Term
Base Mortgage Amount
$
Payment Frequency
Interest Rate ⓘ
%
This is my...
VA Funding Fee
%
Property State
Property Tax (Yearly)
{{ propertyTaxMode === 'percent' ? '%' : '$' }}
Homeowners Insurance (Yearly)
{{ insuranceMode === 'percent' ? '%' : '$' }}
HOA Dues (Monthly)
$
Final Mortgage Amount
$
First Payment Date
Your debt-to-income ratio is within the allowable range. Your debt to income ratio may exceed the maximum allowable ratio!
Debt-to-income Ratio
{{ dtiSummary }}
Allowable Debt to Income Ratio
{{ allowableSummary }}
{{ qualificationMessage }}
Monthly Mortgage Payment
{{ formatCurrency(totalMonthlyPayment) }}

See below for an estimate including Principal, Interest, Taxes, and Insurance

Payment Breakdown

{{ formatCurrency(totalMonthlyPayment) }} per month
{{ item.label }}
{{ formatCurrency(item.value) }}

Loan Details

Home Value{{ formatCurrency(homePrice) }}
Base Loan Amount{{ formatCurrency(loanAmount) }}
Monthly VA Payment{{ formatCurrency(monthlyPI) }}
Down Payment{{ formatCurrency(downPaymentAmount) }}
VA Loan Amount{{ formatCurrency(financedLoan) }}
VA Funding Fee{{ formatCurrency(fundingFeeAmount) }}

Success!

Your request has been sent.

Email me this!

Send yourself a summary with all the data from the calculator.

Contact Us

Feel free to send us a message. Our group of friendly staff is here to help.

Share this calculator

Share this calculator with all the calculated data.

Home Value
Base Mortgage Amount
Down Payment
Loan Term
Interest Rate
These rates are pulling directly from Freddie Mac's National average rates as a guide. You can request your custom breakdown by submitting the form inside calc.
Payment Frequency
This is my...
VA Funding Fee
Property State
Property Tax
(Yearly)
Homeowners Insurance
(Yearly)
HOA Dues
(Monthly)
Final Mortgage Amount
First Payment Date
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Monthly Mortgage Payment
$2,912.01

See below for an estimate including Principal, Interest, Taxes, and Insurance

Payment Breakdown

$3,876.82
per month
Principal & Interest$2,912.01
Taxes$383.33
Insurance$375.00
HOA Dues$0.00
PMI$206.48
Email me this
Contact Us
Share
Disclaimer

Results received from this calculator are designed for comparative purposes only, and accuracy is not guaranteed. This calculator is made available to you as an educational tool only and calculations are based on borrower-input information. This is not an advertisement for the above terms, interest rates, or payment amounts.We do not guarantee the accuracy of any information or inputs by users of the software. This calculator does not have the ability to pre-qualify you for any loan program which should be verified independently with one of our Loan Consultants. Qualification for loan programs may require additional information such as credit scores and cash reserves which is not gathered in this calculator. Information such as interest rates and pricing are user input should not be perceived as a quote. Additional fees such as HOA dues are not included in calculations. All information such as interest rates, taxes, insurance, PMI payments, etc. are estimates and should be used for comparison only. We do not guarantee any of the information obtained by this calculator. To get an accurate rate and fee quote and to be prequalified or preapproved please use the contact form to request further assistance.

Gross Income (Monthly)
This is the gross monthly income before taxes are taken out. Only use income that will likely continue.
$

Monthly Debts

Auto loans (Monthly)
$
Student loans (Monthly)
$
Credit cards (Monthly)
$
Alimony & Child Support (Monthly)
$
Rental Property Loans (Monthly)
$
Other payments (Monthly)
$
Home Price
$
Down Payment
{{ downPaymentMode === 'percent' ? '%' : '$' }}
Loan Term
Base Mortgage Amount
$
Interest Rate ⓘ
%
Property State
Property Tax (Yearly)
{{ propertyTaxMode === 'percent' ? '%' : '$' }}
Homeowners Insurance (Yearly)
{{ insuranceMode === 'percent' ? '%' : '$' }}
HOA Dues (Monthly)
$
Your debt-to-income ratio is within the allowable range. Your debt to income ratio may exceed the maximum allowable ratio!
Debt-to-income Ratio
{{ dtiSummary }}
Allowable Debt to Income Ratio
{{ allowableSummary }}
{{ qualificationMessage }}
Monthly Mortgage Payment
{{ formatCurrency(totalMonthlyPayment) }}

See below for an estimate including Principal, Interest, Taxes, and Insurance

Payment Breakdown

{{ formatCurrency(totalMonthlyPayment) }} per month
{{ item.label }}
{{ formatCurrency(item.value) }}

Loan Details

Home Value{{ formatCurrency(homePrice) }}
Base Loan Amount{{ formatCurrency(loanAmount) }}
Monthly USDA Payment{{ formatCurrency(monthlyPI) }}
Down Payment{{ formatCurrency(downPaymentAmount) }}
USDA Loan Amount{{ formatCurrency(financedLoan) }}
USDA Guarantee Fee{{ formatCurrency(guaranteeFeeAmount) }}

Success!

Your request has been sent.

Email me this!

Send yourself a summary with all the data from the calculator.

Contact Us

Feel free to send us a message. Our group of friendly staff is here to help.

Share this calculator

Share this calculator with all the calculated data.

Home Value
Down Payment
Loan Term
Base Mortgage Amount
Interest Rate
These rates are pulling directly from Freddie Mac's National average rates as a guide. You can request your custom breakdown by submitting the form inside calc.
Property State
Property Tax
(Yearly)
Homeowners Insurance
(Yearly)
HOA Dues
(Monthly)
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Monthly Mortgage Payment
$2,912.01

See below for an estimate including Principal, Interest, Taxes, and Insurance

Payment Breakdown

$3,876.82
per month
Principal & Interest$2,912.01
Taxes$383.33
Insurance$375.00
HOA Dues$0.00
PMI$206.48
Email me this
Contact Us
Share
Disclaimer

Results received from this calculator are designed for comparative purposes only, and accuracy is not guaranteed. This calculator is made available to you as an educational tool only and calculations are based on borrower-input information. This is not an advertisement for the above terms, interest rates, or payment amounts.We do not guarantee the accuracy of any information or inputs by users of the software. This calculator does not have the ability to pre-qualify you for any loan program which should be verified independently with one of our Loan Consultants. Qualification for loan programs may require additional information such as credit scores and cash reserves which is not gathered in this calculator. Information such as interest rates and pricing are user input should not be perceived as a quote. Additional fees such as HOA dues are not included in calculations. All information such as interest rates, taxes, insurance, PMI payments, etc. are estimates and should be used for comparison only. We do not guarantee any of the information obtained by this calculator. To get an accurate rate and fee quote and to be prequalified or preapproved please use the contact form to request further assistance.

Gross Income (Monthly)
This is the gross monthly income before taxes are taken out. Only use income that will likely continue.
$

Monthly Debts

Auto loans (Monthly)
$
Student loans (Monthly)
$
Credit cards (Monthly)
$
Alimony & Child Support (Monthly)
$
Rental Property Loans (Monthly)
$
Other payments (Monthly)
$
Home Price
$
Down Payment
{{ downPaymentMode === 'percent' ? '%' : '$' }}
Loan Term
Base Mortgage Amount
$
Interest Rate ⓘ
%
Property State
Property Tax (Yearly)
{{ propertyTaxMode === 'percent' ? '%' : '$' }}
Homeowners Insurance (Yearly)
{{ insuranceMode === 'percent' ? '%' : '$' }}
HOA Dues (Monthly)
$
PMI (Yearly)
$
Your debt-to-income ratio is within the allowable range. Your debt to income ratio may exceed the maximum allowable ratio!
Debt-to-income Ratio
{{ dtiSummary }}
Allowable Debt to Income Ratio
{{ allowableSummary }}
{{ qualificationMessage }}
Monthly Mortgage Payment
{{ formatCurrency(totalMonthlyPayment) }}

See below for an estimate including Principal, Interest, Taxes, and Insurance

Payment Breakdown

{{ formatCurrency(totalMonthlyPayment) }} per month
{{ item.label }}
{{ formatCurrency(item.value) }}

Loan Details

Home Value{{ formatCurrency(homePrice) }}
Mortgage Amount{{ formatCurrency(loanAmount) }}
Monthly Jumbo Payment{{ formatCurrency(monthlyPI) }}
Down Payment{{ formatCurrency(downPaymentAmount) }}
Monthly Estimated PMI{{ formatCurrency(monthlyMI) }}

Success!

Your request has been sent.

Email me this!

Send yourself a summary with all the data from the calculator.

Contact Us

Feel free to send us a message. Our group of friendly staff is here to help.

Share this calculator

Share this calculator with all the calculated data.

Home Value
Down Payment
Loan Term
Base Mortgage Amount
Interest Rate
These rates are pulling directly from Freddie Mac's National average rates as a guide. You can request your custom breakdown by submitting the form inside calc.
Property State
Property Tax
(Yearly)
HOA Dues
(Monthly)
PMI
(Yearly)
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Monthly Mortgage Payment
$2,912.01

See below for an estimate including Principal, Interest, Taxes, and Insurance

Payment Breakdown

$3,876.82
per month
Principal & Interest$2,912.01
Taxes$383.33
Insurance$375.00
HOA Dues$0.00
PMI$206.48
Email me this
Contact Us
Share
Disclaimer

Results received from this calculator are designed for comparative purposes only, and accuracy is not guaranteed. This calculator is made available to you as an educational tool only and calculations are based on borrower-input information. This is not an advertisement for the above terms, interest rates, or payment amounts.We do not guarantee the accuracy of any information or inputs by users of the software. This calculator does not have the ability to pre-qualify you for any loan program which should be verified independently with one of our Loan Consultants. Qualification for loan programs may require additional information such as credit scores and cash reserves which is not gathered in this calculator. Information such as interest rates and pricing are user input should not be perceived as a quote. Additional fees such as HOA dues are not included in calculations. All information such as interest rates, taxes, insurance, PMI payments, etc. are estimates and should be used for comparison only. We do not guarantee any of the information obtained by this calculator. To get an accurate rate and fee quote and to be prequalified or preapproved please use the contact form to request further assistance.

Refinance Calculator

What is most important to you?
✓
Low Monthly Payment
✓
Lower Interest Paid
Current Loan
1st Loan Amount
$
1st Loan Rate
%
1st Loan Term
1st Loan Start date
✓
Add Second Loan ▾
2nd Loan Amount
$
2nd Loan Rate
%
2nd Loan Term
Interest Only
✓
Credit Card Debt to Pay off ▾
Total Debt
$
Average Interest Rate
%
New Loan
Current Loan Balance
$
Cash Out Amount
$
Refinance Costs
$
New Loan Amount
$
New Rate
%
New Loan Term
New Loan Start Date
Paying Refinance Costs
✓
Include In Loan
✓
Pay Out of Pocket
{{ summaryMessage }}
Monthly Payment {{ isSaving ? 'Decrease' : 'Increase' }}
{{ formatCurrency(monthlyPaymentDifference < 0 ? -monthlyPaymentDifference : monthlyPaymentDifference) }}
Total Interest Difference
{{ formatCurrency(totalInterestDifference < 0 ? -totalInterestDifference : totalInterestDifference) }}
{{ breakEvenMessage }}

Refinance Comparison

Current New Difference
{{ row.label }} {{ row.current }} {{ row.updated }} {{ row.diff }}

Early Payoff Strategy

Additional Monthly
$
Increase Frequency
Monthly
Bi-weekly
Weekly
Savings
{{ formatCurrency(earlyPayoffSavings) }}
Payment Amount
{{ formatCurrency(earlyPayoffNewPayment) }}
Shorten Loan Term By
{{ formatTerm(earlyPayoffMonthsSaved) }}

Lump Sum Payment

Lump Sum Addition
$
Frequency
One-time
Yearly
Quarterly
Savings
{{ formatCurrency(lumpSumSavings) }}
Shorten Loan Term By
{{ formatTerm(lumpSumMonthsSaved) }}

Success!

Your request has been sent.

Email me this!

Send yourself a summary with all the data from the calculator.

Contact Us

Feel free to send us a message. Our group of friendly staff is here to help.

Share this calculator

Share this calculator with all the calculated data.

Buydown Calculator

Temporary Buydown Type
✓
{{ type }}
Loan Amount
$
Rate
%
Loan Term
Types of Temporary Buydown

How Do Temporary Buydowns Work?

A temporary buydown lowers your interest rate for the first few years of your loan. A lump sum — typically paid by the seller, builder, or lender — is placed in an escrow account and used to cover part of your interest payments during that time. After the buydown period ends, your rate returns to the original fixed rate.

Here's how different buydown options work:

3-2-1
Buydown		 Your rate is reduced by 3% in year 1, 2% in year 2, and 1% in year 3.
2-1
Buydown		 Your rate is reduced by 2% in year 1 and 1% in year 2.
1-1
Buydown		 Your rate is reduced by 1% in both year 1 and year 2.
1-0
Buydown		 Your rate is reduced by 1% in year 1.

What Happens After the Buydown Ends?

Once the buydown period is over, your loan automatically adjusts to the original fixed interest rate for the rest of the term — no refinancing or changes needed.

Total Buydown Fee for This Loan Is
{{ formatCurrency(totalBuydownFee) }}
Please contact your loan officer to see if this program would be beneficial for you.

Estimated monthly payments for Buydown Period

Monthly payment Monthly savings
{{ formatCurrency(bar.payment + bar.saving) }}
{{ formatCurrency(bar.payment) }}
{{ bar.label }}

Results Summary

This payment is your monthly principal and interest payment [not including taxes and insurance].

Year Rate Full monthly payment Monthly payment with buydown Monthly savings Annual savings
{{ row.yearLabel }} {{ row.rate.toFixed(2) }}% {{ formatCurrency(row.fullPayment) }} {{ formatCurrency(row.buydownPayment) }} {{ formatCurrency(row.monthlySaving) }} {{ formatCurrency(row.annualSaving) }}

Success!

Your request has been sent.

Email me this!

Send yourself a summary with all the data from the calculator.

Contact Us

Feel free to send us a message. Our group of friendly staff is here to help.

Share this calculator

Share this calculator with all the calculated data.

Net Proceeds Calculator

Expected Home Sale Price
$
Remaining Mortgage Owed
$
Real Estate Agent Fees
%
{{ formatCurrency(agentFeesAmount) }}
Closing Costs
%
{{ formatCurrency(closingCostsAmount) }}
Seller Concessions
%
{{ formatCurrency(sellerConcessionsAmount) }}
Home Prep and Repairs
%
{{ formatCurrency(homePrepAmount) }}
Moving and Seller Storage
%
{{ formatCurrency(movingStorageAmount) }}
Estimated Net Proceeds
{{ formatCurrency(netProceeds) }}
Total Amount Owed at Closing
{{ formatCurrency(totalOwedAtClosing) }}
Total Costs to Sell
{{ formatCurrency(totalCostsToSell) }}
{{ summaryMessage }}

Total Costs to Sell

{{ formatCurrency(totalCostsToSell) }}
{{ row.label }} {{ formatCurrency(row.value) }}

Success!

Your request has been sent.

Email me this!

Send yourself a summary with all the data from the calculator.

Contact Us

Feel free to send us a message. Our group of friendly staff is here to help.

Share this calculator

Share this calculator with all the calculated data.

Debt-Service (DSCR)

Number of Units
Property Value or Purchase Price
$
Average Rent/Unit
$
Annual Property Taxes
$
Annual Insurance
$
Monthly HOA Fee
$
Vacancy Rate
Annual Repairs and Maintenance
$
Annual Utilities
$
Loan Amount
$
Loan to Value
%
Interest Rate
Origination Fee
Closing Costs
$

Return metrics

Cash Flow
{{ formatCurrency(annualCashFlow) }}
Cap Rate
{{ Math.round(capRate) }}%
Cash on Cash Return
{{ cashOnCashReturn.toFixed(2) }}%
DSCR Rate
{{ dscr.toFixed(1) }}

Debt Service Insights

{{ dscrInsight.good ? '\u2713' : '!' }}
{{ dscrInsight.title }}
{{ dscrInsight.detail }}
1.00
{{ dscr.toFixed(2) }}
Minimum target
Calculated

Monthly Cash Flow Feedback

{{ cashFlowInsight.good ? '\u2713' : '!' }}
{{ cashFlowInsight.title }}
{{ cashFlowInsight.detail }}

Deal Breakdown

{{ row.label }} {{ formatCurrency(row.value) }}

Deal Metrics

{{ row.label }} {{ formatCurrency(row.value) }}

Success!

Your request has been sent.

Email me this!

Send yourself a summary with all the data from the calculator.

Contact Us

Feel free to send us a message. Our group of friendly staff is here to help.

Share this calculator

Share this calculator with all the calculated data.

Rent vs Buy Calculator

✓
Mortgage Information ▾
Home Price
$
Down Payment
{{ downPaymentMode === 'percent' ? '%' : '$' }}
Loan Amount
$
Interest Rate
%
Loan Term
year
Start Date
PMI (Yearly)
%
Optional
Home Insurance
$
Taxes
{{ taxesMode === 'percent' ? '%' : '$' }}
HOA Dues
$
✓
Buying Assumptions ▾
Marginal Bracket
%
Annual Costs
%
Selling Costs
%
Annual Appreciation
%
✓
Renting Assumptions ▾
Monthly Rent
$
Renters Insurance
%
Rent Appreciation
%
Net Costs Over Years
{{ g.label }} {{ xl.label }} {{ chartData.marker.year }}

Results Summary

{{ buyingIsCheaper ? 'BUYING' : 'RENTING' }} becomes profitable in year {{ crossoverYear || loanTerm }}

Buying Renting
{{ row.label }} {{ row.buy }} {{ row.rent }}
RENT
BUY

Net Spent

Year
{{ selectedYear }}
Buy
{{ formatCurrency(selectedRow.buyNetSpent) }}
Rent
{{ formatCurrency(selectedRow.rentNetSpent) }}
{{ buyGain >= 0 ? 'BUY GAIN' : 'RENT GAIN' }}
{{ formatCurrency(buyGain < 0 ? -buyGain : buyGain) }}

Your Total Equity

YOUR TOTAL EQUITY
{{ formatCurrency(totalEquity) }}

Cost

If you opt for homeownership of a property valued at {{ formatCurrency(homePrice) }}, your total expenses out of your pocket for {{ selectedYear }} years would add up to {{ formatCurrency(selectedRow.buyCashSpent) }}. However, if you choose to rent instead, your overall expenditure would come to {{ formatCurrency(selectedRow.rentNetSpent) }},

Your Total Equity

After {{ selectedYear }} years, if you choose to purchase the property, the value of equity in your home would be {{ formatCurrency(totalEquity) }}, which you can access upon selling it.

Bottom Line

Based on the overall expenses incurred and the equity gained, it would be more

Success!

Your request has been sent.

Email me this!

Send yourself a summary with all the data from the calculator.

Contact Us

Feel free to send us a message. Our group of friendly staff is here to help.

Share this calculator

Share this calculator with all the calculated data.

Take your first step towards your home loan journey

See rates
See What I Qualify For

Loans That Get U Home

3401 Norman Berry Dr Ste 257-A Atlanta,
GA 30344

Popular
DSCR LoanFHA LoanHome Equity LoanSelf-Employed LoanVA Loan
Tools
Payment CalculatorAffordability CalculatorRefinance CalculatorBuydown CalculatorNet Proceeds CalculatorDebt-Service (DSCR)Rent vs Buy Calculator
Company
About usAreas We ServeBlogJoin UsRatesReviews
Support
Contact Us404-919-5533approveme@uhomemortgage.com
© 2026 UHome Mortgage · NMLS #2559453 · Coby NMLS #2556341 · Licensed in GA, AL, TX · Equal Housing Opportunity
ADA Accessibility StatementPrivacy PolicyTerms of UseNMLS Consumer Access