Mortgage Calculators with County-Level Data
Every calculator uses real 2026 FHFA conforming loan limits, county tax rates, and median home values for all 97 counties across California and Washington.
Find Your Loan Program
Not sure which loan fits? Answer 5 quick questions to get matched to the right mortgage program in 60 seconds. Works for purchases, refinances, investment properties, and self-employed borrowers.
Cash-Out Limit Calculator
Calculate your maximum cash-out refinance amount at 80%, 85%, and 90% LTV using county-specific conforming loan limits and median home values.
DSCR Qualification Calculator
Find out if your investment property qualifies for a DSCR loan. Get your ratio, lender tier, and interest-only comparison — then unlock a full report with rate ranges and 5-year projections.
Bank Statement Loan Estimator
Estimate your qualifying income and max purchase price as a self-employed borrower using bank deposits instead of tax returns. Get expense factor analysis by business type.
Equity Comparison Calculator
Compare HELOC, cash-out refinance, and home equity loan options side by side. See monthly payments, total costs, and get a recommendation based on your repayment preference.
DSCR Rent Analyzer
Determine the minimum rent needed for a 1.0 or 1.25 DSCR ratio on investment properties using county-level rental data and current rates.
Property Tax Estimator
Estimate annual and monthly property taxes by county using actual local tax rates. Compare tax burden across counties.
Max HELOC Calculator
Calculate your maximum home equity line of credit based on estimated value, current balance, and county conforming limits.
All calculators are free and require no login. Data sourced from FHFA, U.S. Census Bureau, and county assessor records. For personalized analysis, contact Mo Abdel at (949) 579-2057. NMLS #1426884 | Lumin Lending NMLS #2716106.