Latentrymortgage intelligence

BillsBae mortgage brain

Free online mortgage calculator

Mortgage calculator for people who still want a life—compare monthly cost, closing cash, savings rate, approval posture, and rate/price/down-payment scenarios in one workspace.

Mortgage inputs

Tune the truth.

Property
Enter ZIP or city
Loan terms
Monthly budget

Save scenario

Heavyapproval lens
Savings test6.3% vs 15% target
Housing ratio43.2% of take-home
DTI50.8% of take-home
Prime thresholdHousing <=28%, DTI <=36%, savings >= target
Workable thresholdHousing <=33%, DTI <=43%, savings >= 75% target
Stretch thresholdHousing <=40%, DTI <=50%, savings above $0

$2,420/mo

Housing payment before everyday spending and debt

Principal + interest$1,946
Property tax$369
Insurance$105
HOA$0
PMI$0
Housing payment$2,420

This home crowds out the savings target. Treat it like a stretch.

Savings rate
6%
Monthly take-home$5,600
Housing payment-$2,420
Everyday spending-$2,400
Debt payments-$425
Cash left$355
Formula$355 / $5,600
DTI
51%
Housing payment$2,420
Debt payments$425
DTI numerator$2,845
Monthly take-home$5,600
Formula$2,845 / $5,600
One-time closing cash
$82,085
Down payment$75,000
Loan origination$1,500
Discount points$0
Appraisal$550
Credit report$45
Title + insurance$1,050
Recording fees$190
Attorney fees$0
Transfer tax$3,750
Survey$0
Estimated closing costs$7,085
Total cash needed$82,085

Monthly derivation

How the monthly number is built.

Loan $300,000

Mortgage math

$300,000 loan over 30 years at 6.75%.

Home price$375,000
Down payment$75,000
Loan amount$300,000
Rate / term6.75% / 30 yrs
Principal + interest
$1,946

Housing stack

Recurring housing costs added to principal and interest.

Principal + interest$1,946
Property tax$369
Insurance$105
Tax + insurance$474
HOA + PMI$0
Housing payment
$2,420

Monthly cash flow

What remains after housing, everyday spending, and debt.

Monthly take-home$5,600
Housing payment-$2,420
Everyday spending
-$2,400
Debt payments-$425
Total outflow$5,245
Savings outcome
15% target · $485 short of target
$355 (6.3% actual)

What-if scenarios

Cost versus breathing room.

Base case

Current assumptions for price, rate, down payment, and spending.

$2,420
Heavy
Rate +0.75%

Stress test the monthly payment if rates move against you.

$2,572
Heavy
Buy 8% lower

A calmer offer target that protects cash flow.

$2,226
Stretch
Stretch 6% higher

A premium listing scenario with the same down-payment ratio.

$2,565
Heavy
Add $25k down

See how additional cash changes PMI, loan size, and approval.

$2,258
Heavy

Saved scenarios

Pin the finalists.

Compare saved
Save a few calculator runs, then compare them side-by-side like Glowster.