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.
Estimate only. FHA estimates use HUD’s 1.75% upfront premium and annual mortgage insurance (MIP) schedule. VA estimates use VA’s funding fee chart. USDA estimates use USDA’s 1% upfront and 0.35% annual guarantee fees. Conventional estimates don’t include private mortgage insurance. Figures checked October 22, 2026. Other costs may apply.
Estimate only. Compares principal, interest and mortgage insurance; taxes and homeowners insurance are not included. FHA, VA and USDA fees use HUD, VA and USDA figures checked October 22, 2026. Restarting a loan term can increase the total interest you pay even when the monthly payment drops.
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.
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.
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