Every calculator here shows the full payment — principal, interest, tax, insurance, and mortgage insurance — with every assumption on the page. No hidden numbers.
Calculators
- Home Affordability Calculator — what price your income and debts actually support, at 28%, 36%, and the 43% back-end cap.
- Home Mortgage Calculator — your full monthly payment, line by line, for FHA, conventional, and VA — including when PMI drops off.
- Rent vs. Buy Calculator — the true cost of renting vs. owning over the years you will stay, including equity and appreciation.
- Rate Buydown Calculator — what points cost, what they save you each month, and the breakeven — plus who should pay them.
- Closing Cost Estimator — every line of your closing costs in California, and your total cash to close.
Down payment help and checklists
- Down Payment Assistance Finder — answer three questions and see the California and Texas programs that fit you.
- Credit Score Checklist — the 12 steps that lift your score before you apply, and the score tiers that matter.
- 60-Day Checklist to Closing — every step from offer to keys, printable or as a PDF.
Also see Down Payment Assistance for the full program guide. Want me to run your exact numbers? Start your pre-approval — or call me at (714) 705-4013.