Loan calculators

Pick your program, get a precise estimate

Real-time residential rates from Freddie Mac PMMS. Investment programs use referential parameters — final terms depend on the lender.

Residential loan type

Residential (Home purchase)

Conventional, FHA, VA or refinance loans for your primary residence or a second home. Pick program, term and credit score to estimate payment and DTI.

Simulator

Calcula tu pago mensual

Reference rate: 6.58% · Freddie Mac PMMS · week of 7/23/2026

Home price

Down payment: 10% · $35,000

0%20%50%

Loan term

Interest rate (ref. 6.58%)

Adjust it if your lender quotes a different rate.Property tax (annual)

Texas ~1.8–2.5% · US average ~1.10%Home insurance (annual)

HOA dues (monthly)

Gross annual income

Used to check your front and back-end DTI.Monthly debts (auto, credit cards, loans)

Credit score (FICO): 700

500620680740850

Conventional DTI ceiling stretches to 50.5% with FICO ≥ 680; otherwise ~45%. FHA allows up to 56.9% back-end.

Estimated monthly payment

$2,605.53

PITI + HOA · loan amount $315,000

Principal & interestiThe portion of your monthly payment that pays down the loan balance (principal) plus the interest owed to the lender.
Property taxiLocal property taxes collected by your county, estimated monthly from the annual rate you enter.
Home insuranceiHomeowner's insurance premium prorated monthly. Lenders require it for the life of the loan.
PMIiPrivate Mortgage Insurance — required by lenders when your down payment is under 20%.
HOAiHomeowners Association dues, if the property belongs to a community with an HOA.

LTV90.0%

Total loan interest$407,742

DTI · CONVENTIONALlimits front 43.0% · back 50.5%

Front-end (housing)

36.8%

Back-end (total)

43.8%

✓ You are within the typical qualification range for this program. A specialist can confirm your formal pre-qualification.

How to improve your profile

Reach 20% down (LTV ≤ 80%) to remove PMI and lower your monthly housing payment.
Consider a 30-year term or a lower rate lock to reduce the monthly P&I.

Subir documentos para evaluación →Continuar con la precalificación

Envía tus documentos y el equipo de Gustavo revisará tu perfil. Si hace falta trabajo, recibirás un plan de acción personalizado (crédito, ingresos, deudas, down payment) para llegar a la aprobación.

Amortization

How your loan pays down year by year

Early on you pay more interest; over time, more principal. The balance drops to zero at the end of the term.

Aviso de la calculadora

Esta calculadora hipotecaria tiene fines educativos únicamente. Las tasas disponibles reales y los montos de pago mensual están sujetos a fluctuaciones del mercado y dependen de varios factores, incluidos la geografía, el perfil crediticio del solicitante y las características específicas del préstamo. Las estimaciones se basan en la información que proporcionas y pueden no incluir otros cargos y costos que un prestamista puede evaluar además del capital e interés mensual, como impuestos, seguros, tarifas de originación o costos de cierre; la obligación de pago real puede ser mayor. Gustavo Loans no otorga préstamos y esta simulación no constituye un compromiso ni una oferta de crédito.