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.
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.