Homebuying starts with the numbers

Your next home.
Let’s do the math.

Austin Elder

Hi, I'm Austin, a San Antonio mortgage broker.

Same math I use on real files. · NMLS #1937462

No signup · No credit pull · Free

FHA

Explore an FHA payment, including upfront and monthly mortgage insurance.

Open FHA calculator

VA

Explore a VA loan with payment and residual income estimates.

Open VA calculator

Conventional

See how your home price, down payment and income fit a conventional loan.

Open Conventional calculator

Affordability

See what home price could fit your income, debts and down payment.

Open Affordability calculator

Closing Costs

Estimate the cash you may need at closing, line by line.

Open Closing Cost calculator

Loan Estimate guide

Understand the payment, fees and comparison figures on a real Loan Estimate.

Open the guide

TREC contract guide

Tap through a sample Texas purchase contract and see the deadlines that matter for your loan.

Open the guide

VA Entitlement

See how much entitlement you have left for another VA purchase.

Open VA Entitlement calculator

VA Construction

Estimate the budget, loan and payment behind your next build.

Open VA Construction calculator
For veterans

Texas Vet Property Tax

See what your VA rating could change about your property taxes and VA payment.

Open Vet Property Tax calculator

Already own your home?

Mortgage Payoff Calculator

See how extra principal each month could save interest and help you pay off your mortgage sooner, starting where you are today.

Calculate my savings

Why trust these numbers?

Built by a working loan officer.

The same kinds of checks I run on real files: DTI, MIP, PMI and VA residual income.

Calculate in your browser.

No signup or credit pull. You choose whether to share a result link or contact me.

A real person when you’re ready.

Call, text or book a free call. I’ll help you make sense of the next step. No pressure.

Not sure where to start?

Let’s talk through your goals, answer your questions, and find your next step.

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Do these calculators tell me what I’m approved for?

No. These tools help you explore scenarios using the numbers you enter. Loan approval requires a lender’s review of your income, debts, credit, assets, property and chosen loan program.