Mortgage Calculators

Run the numbers before you talk to a lender.

Estimate a payment, see if a refinance makes sense, find out how fast extra payments pay off your loan, or check an investment property’s DSCR. When you’re ready, a licensed FLO Mortgage loan officer can give you real numbers.

Monthly payment

Estimate principal, interest, taxes, insurance and HOA.

Estimated monthly paymentEnter a rate

    Estimate only. Does not include mortgage insurance, VA funding fee or other costs that may apply.

    Refinance savings

    Compare your current loan with a new one and see your break-even point.

    Change in monthly principal & interestEnter a new rate

      Estimate only. Compares principal and interest; taxes and insurance are not included. Restarting a loan term can increase the total interest you pay even when the monthly payment drops.

      Extra payments

      See how much interest you save and how much sooner you pay off your loan.

      Interest you could save$0

        Estimate only. Assumes extra payments go entirely to principal. Check with your servicer about how extra payments are applied and whether your loan has a prepayment penalty.

        DSCR calculator

        Debt service coverage ratio = monthly rent ÷ monthly housing payment (PITIA).

        Estimated DSCREnter a rate
          Many DSCR programs look for a ratio of about 1.0 or higher, and stronger ratios often get better pricing. Some programs allow lower ratios. Requirements vary by program and investor.

          Estimate only. DSCR loans are for investment properties and business purposes, not owner-occupied homes.

          These calculators are for illustration and educational purposes only and are not an offer or commitment to lend, a Loan Estimate or a guarantee of rates or terms. Your actual rate, payment and costs depend on your credit, loan type, property and the day you lock. FLO Mortgage, Company NMLS #1835856. Equal Housing Opportunity.

          Ready to see your numbers?

          Answer a few quick questions and a local loan officer will follow up with your options.

          © FLO Mortgage, LLC. All rights reserved. Company NMLS #1835856.