VA Loan Calculators
Free tools to help you understand your numbers before you apply. All results are estimates — contact Gene for guidance specific to your situation.
Monthly Payment Estimator
Enter a loan amount, interest rate, and term to estimate your monthly principal and interest payment.
Refinance Breakeven
Calculate how long it takes for a VA IRRRL or cash-out refinance to pay for itself based on your closing costs.
IRRRL Rate Viability
Solve for the minimum current rate at which a VA streamline refinance is worth it, then check your own rate against both VA benefit tests.
VA vs FHA vs Conventional
Compare down payment requirements, upfront fees, and monthly mortgage insurance costs side-by-side.
Home Affordability Calculator
See what home price fits your budget based on income, debts, and down payment. Includes a monthly payment calculator.
All calculators are for educational and illustrative purposes only. Results do not constitute a commitment to lend, a loan approval, or a rate quote. Rates and terms are set by lenders and subject to change. Gene Richter is a mortgage loan originator, not a lender. NMLS #2806488 | PBT Bancorp NMLS #257781.