B R
Brandon Rearick
Real Estate Agent

Your Real Estate Calculator Suite

Run the numbers before you make the move. Every calculator updates in real time.

Unlock Your Equity

See how much equity you've built - even with your low 2020-era rate.

Your Original Mortgage
$
%
Current Sale Estimate
$
%
$
Next Home (Optional)
$
%

Your Results

April 2026
Current Mortgage Balance
$392,000
$48,000 paid down
Total Equity Built
$378,000
Principal paydown + appreciation
Estimated Net Proceeds (what you walk away with)
$325,000
→ This becomes your next down payment
The Trade-Off vs. The Upgrade
Old Payment
$1,915
on your current home
New Payment
$2,280
+$365/mo
For A
$700K
home with major equity
You didn't lose your low rate.
You converted it into real equity that's working for you right now.

Mortgage Payment Calculator

Estimate your monthly principal and interest payment.

Loan Details
$
$
%
$
$

Your Monthly Payment

P&I + Taxes + Insurance
Total Monthly Payment
$3,282
Principal & Interest
$2,782
Taxes + Insurance
$500
Loan Amount
$440,000
Down Payment %
20%
Total Interest (life of loan)
$561,680
Total Cost (all payments)
$1,001,680

How Much Home Can I Afford?

Based on your income and debts, see what's comfortable.

Your Income
$
$
Loan Assumptions
$
%
%

Your Buying Power

Based on DTI guidelines
Max Home Price You Can Afford
$520,000
Max Monthly Housing Payment
$3,000
Max Loan Amount
$440,000
Monthly Gross Income
$10,000
Debt-to-Income Used
36%
This is a guideline, not a limit.
Let's find the number that fits your life, not just what a bank says you qualify for.

Rent vs. Buy Comparison

Should you keep renting or start building equity?

Renting Scenario
$
%
Buying Scenario
$
$
%
%
Timeline
yrs

Rent vs. Buy Over 5 Years

Side-by-side
Total Rent Paid
$140,000
100% gone - zero equity
Equity Built (buying)
$168,000
yours to keep
Monthly Mortgage Payment
$2,275
Home Value in 5 Years
$534,000
Net Advantage of Buying
+$308,000
equity built + rent avoided vs. total housing cost
Every rent check builds someone else's wealth.
Even at today's rates, buying builds yours.

Refinance Savings

See if refinancing makes sense at today's rates.

Current Loan
$
%
yrs
New Loan
%
$

Refinance Results

Before vs. After
Current Payment
$2,632
New Payment
$2,217
Monthly Savings
$415
Break-Even Point
15 months
Total Interest Saved
$89,400
Net Savings (minus costs)
$83,400
The numbers say:
Refinancing saves you $83,400 over the life of the loan.

Full Amortization Schedule

Green row = current month | All calculations are estimates
Powered by Brandon Rearick - Four Sail Team - eXp Realty
All calculations are estimates. Not a substitute for lender pre-approval. [email protected]