Loan Calculators

Powerful mortgage tools from The 2 Mortgage Guys — Ryan Minick and Steve DeLon, Branch Managers & Senior Loan Officers at Luminate Bank in Kokomo, Indiana. Estimate payments, compare programs, and plan your home financing nationwide.

Mortgage Payment Calculator

Estimate your monthly payment, including taxes, insurance, and PMI.

Home price

Down payment 20% · $80,000

Interest rate

Loan term

Property tax

%/yr

Home insurance

$/yr

HOA dues

$/mo

Estimated monthly payment

Principal & interest$0

Property tax$0

Home insurance$0

Loan amount$0

Mortgage Qualifier Calculator

See how much home you may qualify for based on income, debts, and down payment.

Annual household income

$/yr

Monthly debts (excl. housing)

$/mo

Down payment 10%

Interest rate

Loan term

Max DTI ratio

Property tax

%/yr

Home insurance

$/yr

Monthly HOA dues

$/mo

Est. PMI (illustrative)

%/yr

PMI estimate is illustrative only — not a quote. Actual PMI depends on your credit, loan program, and insurer. This calculator estimates a conventional loan; FHA, VA, USDA, and other programs use different calculations.

Estimated qualifying home price

Max loan amount$0

Down payment$0

Est. monthly payment$0

Max housing budget$0

Principal & interest$0

Property tax$0

Home insurance$0

PMI (est.)$0

HOA dues$0