Mortgage Calculators

Down Payment Assistance Calculator

Calculate your total out-of-pocket costs with down payment assistance programs

Purchase Price ($)

Interest Rate (%)

⚠️ Credit Requirement

Minimum 660 credit score required for this program

Need help raising your score? Get my step-by-step guide →

Your Total Out-of-Pocket

$0

With Seller Concessions Strategy

Total Monthly Payment

$0

Includes P&I, MIP, Taxes & Insurance

ℹ️ About Down Payment Assistance

The down payment assistance is a silent second loan with NO monthly payment. It's only repaid when you sell or refinance, at 1% simple interest.

Payment Calculator

Compare different loan types and see exact monthly payments

Loan Type

Home Price

Down Payment (%)

Interest Rate (%)

Property Tax Rate (% per year)

Home Insurance (% per year)

HOA Dues (per month)

Total Monthly Payment

$0

Affordability Calculator

Find your ideal home price based on what you're comfortable paying monthly

Monthly Payment You're Comfortable With

Total housing payment (P&I, taxes, insurance, HOA)

Down Payment Available

Interest Rate (%)

Property Tax Rate (% per year)

Home Insurance (% per year)

Monthly HOA Dues

Maximum Home Price

$0

Tax Benefits Calculator

Calculate your annual tax savings from homeownership

Home Price

Down Payment (%)

Interest Rate (%)

Filing Status

Federal Tax Bracket (%)

CA State Tax Bracket (%)

Annual Tax Savings

$0

$0/month

Rent vs Own Calculator

See how much you save by buying instead of renting

Current Monthly Rent

Home Price

Down Payment (%)

Interest Rate (%)

Years to Compare

Total Savings by Owning

$0

Refinance Calculator

See if refinancing makes financial sense

Current Loan

Current Balance

Current Rate (%)

Current Monthly Payment

New Loan

New Rate (%)

Closing Costs

Monthly Savings

$0

Down Payment Assistance Calculator

Payment Calculator

Affordability Calculator

Tax Benefits Calculator

Rent vs Own Calculator

Refinance Calculator

Current Loan

New Loan

Ready to Discuss Your Numbers?