Real Simplified AI

Mortgage & Buyer
Qualifier Calculator

Tap any ? button if you don't know what something means. Ask John's AI anything. No jargon — promise.

🏡 About the Home
$500,000
$
$100k $2M
10%
$
7.00%
%
3% 12%
📋 Monthly Expenses
$6,000
$
$1,800
$
$0
$
📊 Your Payment Breakdown
Total Monthly Payment (PITI)
$—
Principal + Interest + Tax + Insurance
P&I
$—
Principal & Interest
Tax
$—
Monthly property tax
Insurance
$—
Monthly HO insurance
Mortgage Ins.
$0
N/A — conv. 20%+ down
HOA
$—
Monthly dues
Loan
$—
Amount financed
Home Price
Down Payment
Loan Amount
Interest Rate
LTV Ratio
Total Monthly (PITI)
🤖 John's AI Summary
Calculating your personalized summary…
Month Payment Principal Interest Balance
Year 1 of 30
💼 Your Income
$95,000
$
$0
$
💳 Your Monthly Debts

Only include minimum payments on things like car loans, student loans, and credit cards. Do NOT include rent — that goes away when you buy.

$400
$
$0
$
$100
$
$0
$
⚙️ Loan Settings
7.00%
%
10%
✅ Your Buying Power
Maximum Purchase Price
$—
Based on your income & debts
Max Loan
$—
Amount you can borrow
Down Needed
$—
Cash to close (est.)
Monthly Pmt
$—
Estimated PITI
📐 Debt-to-Income Ratios
Front-End DTI —%
0%Limit: 28%50%
Back-End DTI —%
0%Limit: 43%50%
🤖 John's AI Summary
Calculating your personalized summary…
📊 Compare Loan Types Side by Side

Enter your home price and income, and we'll show you how Conventional, FHA, and VA loans compare — payments, costs, and which saves you the most.

$500,000
$
7.00%
%
📊 Loan Type Comparison
🤖 John's AI Summary
Calculating…
🏠 Your Home Details

Want to know what you'd walk away with after selling? Enter your numbers below. No personal info needed — just math.

$750,000
$
$300,000
$
5.0%
$0
$
🏠 Your Estimated Net Proceeds
You Walk Away With
$—
Estimated net proceeds after all costs
Sale Price
Loan Payoff
Agent Commission
Title & Escrow (est.)
Transfer Tax (est.)
Repairs / Credits
Net to Seller
🤖 John's AI Summary
Calculating…
John Abril · CA DRE #01060119 · NMLS #280222 · BirdEye Loans, Inc. Co. NMLS #1846010 · Real Estate and Lending, Simplified, Co. NMLS #2827760 · 3200 E Guasti Rd Suite 100, Ontario CA 91761 · Equal Housing Lender
This calculator is for educational purposes only. Results are estimates and not a commitment to lend. All loans subject to credit approval, underwriting, and program guidelines. Property taxes, insurance, and HOA are estimates only. Verify all figures with a licensed professional.
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Title
Body
Ask John's AI
Ask John's AI 🤖
Mortgage & Real Estate Q&A · Always on
🏠
Hi! I'm John's AI assistant. 👋

Confused by any number or term in the calculator? Ask me anything — I'll explain it like you're 10 years old. No jargon. No judgment. 😊