Your Complete Mortgage Calculator Toolkit

Estimate your monthly mortgage payments, see how much home you can afford, and calculate your refinance savings with our free, easy-to-use mortgage calculators. Get clear, instant results from Michael Unlimited LLC.

Clarity and confidence are essential when making one of life's biggest financial decisions. Our comprehensive suite of free and easy-to-use mortgage calculators is designed to give you the clear, accurate numbers you need to plan your path to homeownership. Whether you're a first-time home buyer trying to figure out your budget, a seasoned homeowner looking to refinance, or a service member exploring your VA loan benefits, our tools provide instant, detailed estimates. Explore the calculators below to find the answers you need and take the next step on your journey with confidence.

Calculator Descriptions 

Affordability Calculator

Before you start your search, answer the most important question: "How much house can I afford?" Our affordability calculator analyzes your income, monthly debts, and down payment to give you a realistic home price range and estimated monthly payment.

Purchase Calculator

Estimate your total monthly payment on a new home. This powerful tool breaks down your costs, including principal and interest, property taxes, homeowner's insurance, and monthly HOA fees for both Conventional and FHA loans.

Refinance Calculator

Could you lower your monthly payment or get cash out of your home? Our refinance calculator lets you compare your current mortgage to a new loan, showing you potential monthly savings, payment changes, and your lifetime benefit.

Conventional Loan Calculator

Planning to use a conventional loan? This calculator helps you estimate your monthly payment, including Private Mortgage Insurance (PMI) if your down payment is less than 20%, giving you a clear picture of your total costs.

FHA Loan Calculator

Perfect for first-time home buyers, our FHA calculator breaks down your estimated payment, including the required Upfront and Annual Mortgage Insurance Premiums (MIP), so you can budget with no surprises.

VA Loan Calculator

For eligible veterans and service members. This calculator helps you understand your powerful VA loan benefits by estimating your monthly payment, which includes the VA funding fee but no monthly mortgage insurance.