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Optimal Mortgage · Calculators

Run the Numbers.
Make Confident Decisions.

Six professional mortgage calculators — from full payment analysis with visual breakdown to investor DSCR modeling. All results are printable.

Mortgage Payment Estimator

Estimate your full monthly payment including principal, interest, taxes, insurance, PMI, and HOA. Add extra payment scenarios and biweekly analysis.

Florida Costs
Extra Payments (optional)
Enter your loan details and click Calculate.
PAYMENT BREAKDOWN

Home Affordability Calculator

Estimate how much home you can afford based on income, debts, and down payment — using both FHA (43% DTI) and conventional (36% DTI) guidelines.

Florida Cost Estimates
Enter your financial details to see your estimated buying power.

Refinance Break-Even Calculator

Find out how long it takes to recover your closing costs through monthly savings — and whether refinancing makes financial sense for your timeline.

Current Loan
New Loan
Enter your current and new loan details to find your break-even point.

Extra Payment Calculator

See how much interest you save and how many years you cut off your mortgage by making additional payments — monthly, annual, and one-time.

Additional Payments
Enter your loan details and extra payment amounts to see how much you save.

Debt Consolidation Refinance Calculator

Model a cash-out refinance that rolls high-interest debt into your mortgage — and see the real monthly and long-term impact.

Current Mortgage
Debt to Consolidate
New Refinance Loan
Enter your current mortgage and debt details to model consolidation.

DSCR Loan Calculator

Analyze a rental property's cash flow against its debt obligations. See Fixed and Interest-Only PITIA, and DSCR ratios — exactly as a lender will evaluate them.

Monthly Property Expenses
How DSCR is calculated: Monthly Rental Income ÷ Monthly PITIA. A ratio of 1.0 means the property breaks even. Most programs require 1.0–1.25 or higher. Interest-only DSCR is calculated using IO payment instead of fully amortized P&I.
Enter rental income and loan details to calculate DSCR ratios.
All calculator results are estimates for informational and educational purposes only. They do not represent a loan quote, approval, commitment to lend, or guarantee of any rate or terms. Actual loan amounts, rates, payments, and qualification amounts will vary based on credit profile, property characteristics, market conditions, program guidelines, and lender underwriting. Property taxes, insurance, HOA fees, and PMI are estimates. Results do not include all settlement charges, escrow amounts, prepaid items, or underwriting conditions. These calculators do not determine eligibility, ability to repay, or affordability.

Optimal Mortgage LLC · NMLS #2503896 · Licensed Mortgage Broker only, not a Mortgage Lender or Correspondent · FL MBR6553 · Equal Housing Opportunity · (305) 524-4400 · INQ@OptMtg.com · legal@optmtg.com