# Mortgage calculators

Source: https://nobullshitloans.com/tools/
By Tyler Rood, Loan Officer, NMLS ID # 2064776, Edge Home Finance, LLC (NMLS ID # 891464). Updated 2026-11-09.

Most mortgage calculators hand you one big number and hide how they got it. Mine show the math. Every result comes with the worksheet underneath, written out line by line the way I'd do it with you at a kitchen table, so you can see what's inside the number and what would change it.

A few things hold for all of them. Every rate is an example you type in, not a quote, because rates move all day and I'd rather price your actual deal. Property taxes use the posted rates for Richmond-area cities and counties, from Chesterfield and Henrico to Petersburg and Hopewell. Mortgage insurance and program fees come from published rate cards and the agencies' own tables, and each calculator's page says which ones and from when. They're estimates, mostly on the careful side, and each page says where one runs light. Junk in equals junk out, so use your real income, your real debts and a real insurance quote.

Buying? Start with the [mortgage payment calculator](https://nobullshitloans.com/tools/mortgage-payment/) to see a full monthly payment, then the [affordability calculator](https://nobullshitloans.com/tools/affordability/) to see what your income supports, then [cash to close](https://nobullshitloans.com/tools/cash-to-close/) to see what you'll bring on closing day. Already own? The [refinance break-even calculator](https://nobullshitloans.com/tools/refinance-break-even/) tells you whether a lower rate pays for itself. Veterans can price the VA funding fee, and homeowners thinking about keeping the house as a rental can run the Blue Collar House Hack.

The appraisal gap calculator sits last on purpose. It's built for bidding wars, and in my read, late 2026 isn't a bidding-war market.

## Disclosures

Individual Originator: Tyler Rood, Loan Officer, NMLS ID # 2064776 (www.nmlsconsumeraccess.org). Licensed in NC, PA, TX and VA.
Edge Home Finance, LLC | NMLS ID # 891464 | www.nmlsconsumeraccess.org. Licensed in all U.S. states & D.C., EXCEPT New York. Edge Home Finance, LLC is a mortgage broker, not a direct lender or creditor. Virginia Broker License MC-7006. North Carolina Mortgage Broker License B-201539. Pennsylvania Mortgage Broker License 81041. Texas: Mortgage Company License, Department of Savings and Mortgage Lending.
Edge Home Finance, LLC is a private mortgage broker and is not affiliated with, endorsed by, or acting on behalf of or at the direction of the U.S. Department of Veterans Affairs (VA), the Federal Housing Administration (FHA), the Department of Housing and Urban Development (HUD), or any other government agency.
We do business in accordance with the Fair Housing Act and the Equal Credit Opportunity Act.