Free Mortgage Tools — Escambia & Santa Rosa Counties, FL
Mortgage Calculators
Three linked calculators — estimate your monthly payment, calculate your qualifying income, then check your debt-to-income ratio. Your income automatically flows into the DTI calculator.
Calculator 1
Monthly Mortgage Payment
$70,000.00 · loan $280,000.00
Credit score affects PMI/MI rates — especially for Conventional loans
Estimated from zip code or enter manually
Estimated from zip code or enter manually
Estimated Monthly Payment
$1,862.85
Principal, interest, taxes, insurance
Payment Breakdown
Loan Summary
✓ No mortgage insurance required
Now calculate your qualifying monthly income below. Once you enter your income sources, the total will automatically flow into the DTI calculator — no manual entry needed.
Calculator 2
Qualifying Income
Borrower Income — select all that apply:
Qualifying Income Summary
Check income sources to calculate
Estimates only. Actual qualifying income is determined by your loan officer per Fannie Mae, Freddie Mac, FHA, VA, or USDA guidelines.
Your qualifying income is live-linked.
The mortgage payment from Calculator 1 and the income from Calculator 2 are automatically carried into the DTI calculator below.
Calculator 3
Debt-to-Income Ratio
Monthly Debt Obligations
PITI
All auto loan payments combined
Monthly student loan payment(s)
Minimum monthly payments on all cards
Personal loans, installment loans, etc.
Existing mortgage or HELOC payments
Child support, alimony, or other obligations
Back-End DTI Ratio
Lender DTI Guidelines
Conventional (ideal)
Best rates & terms
Conventional (max)
Standard approval
FHA (standard)
Up to 50% with compensating factors
VA Loan
Residual income also considered
USDA Loan
Up to 44% with approval
Ready to Take the Next Step?
Talk to a Loan Officer
These calculators provide estimates for planning purposes only. Actual rates, payments, and qualification depend on your credit profile, property, and current market conditions. Our licensed loan officers in FL, SC & TN are ready to give you exact numbers.
These calculators are for educational and estimation purposes only and do not constitute a loan commitment or guarantee of any specific rate or terms. PMI estimates are approximate. Actual property taxes and insurance costs vary. Equal Housing Lender. NMLS: 103035. Licensed in FL, SC & TN.