Calculator
Affordability Calculator
Payment Breakdown
per month
- Principal & Interest
- Taxes
- Insurance
- HOA Dues
- PMI
Loan Details
- Home Value:
- Mortgage Amount:
- Monthly Conventional Payment:
- Down Payment:
- Monthly Estimated PMI:
Payment Breakdown
per month
- Principal & Interest
- Taxes
- Insurance
- HOA Dues
- MIP
Loan Details
- Home Value:
- Base Loan Amount:
- Monthly FHA Payment:
- Down Payment:
- FHA Loan Amount:
- Upfront MIP:
Payment Breakdown
per month
- Principal & Interest
- Taxes
- Insurance
- HOA Dues
Loan Details
- Home Value:
- Base Loan Amount:
- Monthly VA Payment:
- Down Payment:
- VA Loan Amount:
- VA Funding Fee:
Payment Breakdown
per month
- Principal & Interest
- Taxes
- Insurance
- HOA Dues
- USDA MIP
Loan Details
- Home Value:
- Base Loan Amount:
- Monthly USDA Payment:
- Down Payment:
- USDA Loan Amount:
- USDA Guarantee Fee:
Payment Breakdown
per month
- Principal & Interest
- Taxes
- Insurance
- HOA Dues
- PMI
Loan Details
- Home Value:
- Mortgage Amount:
- Monthly Conventional Payment:
- Down Payment:
- Monthly Estimated PMI:
Payment Breakdown
A breakdown of your total payment so you can see where money is allocated.
per month
- Principal & Interest
- Taxes
- Insurance
- HOA Dues
- PMI
- Extra Payment
- Monthly Payment
- Total Payment
- Home Value:
- Mortgage Amount:
- Monthly Principal & Interest:
- Monthly Extra Payment:
- Monthly Property Tax:
- Monthly Home Insurance:
- Monthly PMI:
- Monthly HOA Fees:
- Total # Of Payments:
- Down Payment:
- Principal:
- Total Extra Payment:
- Total Interest Paid:
- Total Tax, Insurance, PMI and Fees:
- Total of all Payments:
Early Payoff Strategy
Add an extra payment and see how many months you can eliminate on the back end of the loan.
Lump Sum Payment
Shorten your loan term by paying a lump sum all to principal.
$
Total Interest Difference$
Monthly Payment Comparison
A breakdown of your total payment so you can see where money is allocated.
$
Time to Recoup FeesTotal Interest Comparison
A breakdown of your total payment so you can see where money is allocated.
Results Summary
| Buying | Renting | |
|---|---|---|
| Cash Spent | $ | $ |
| Home value | -$ | -- |
| Balance on Loan | $ | -- |
| Closing costs on sale | $ | -- |
| Adjusted Net Cash Savings | $ | $ |
Payment Breakdown
A breakdown of your total payment so you can see where money is allocated.
per month
- Principal & Interest
- Taxes
- Insurance
- HOA Dues
- Extra Payment
- Monthly Payment
- Total Payment
- Home Value:
- Mortgage Amount:
- Monthly Principal & Interest:
- Monthly Extra Payment:
- Monthly Property Tax:
- Monthly Home Insurance:
- Monthly HOA Fees:
- Total # Of Payments:
- Down Payment:
- Principal:
- Total Extra Payment:
- Total Interest Paid:
- Total Tax, Insurance and Fees:
- Total of all Payments:
Early Payoff Strategy
Add an extra payment and see how many months you can eliminate on the back end of the loan.
Lump Sum Payment
Shorten your loan term by paying a lump sum all to principal.
$
Total Interest Difference$
Monthly Payment Comparison
A breakdown of your total payment so you can see where money is allocated.
$
Time to Recoup FeesTotal Interest Comparison
A breakdown of your total payment so you can see where money is allocated.
$
Cap Rate%
Deal Breakdown
A breakdown of your rental loan deal.
- Loan Amount:
- Down Payment:
- Mortgage Payment:
- Monthly Payment:
- Origination Fee Amount:
Deal Metrics
A metrics of your rental loan deal.
- Total Closing Costs:
- Cash Needed to Close:
- Price Per Unit:
- Gross Rental Income:
- Operating Expenses:
- Net Operating Income:
%
DSCRReturn Metrics
A metrics of your rental loan return.
-
Cash Flow:Annual cash flow after all expenses and mortgage are paid.
-
Cap Rate:Cap rate, or capitalization rate, is a metric that divides your net operating income (not including your mortgage) by the purchase price or property value. It is most useful in comparing multifamily properties.
-
Cash on Cash Return:Cash on cash return is a metric that divides your pre-tax cash flow by the total cash invested in the deal. This is a key metric for most investors.
-
DSCR:DSCR calculates the ratio of rental income to your mortgage payment. Ideally, you'll have a DSCR of 1.0 or higher.
$
Net Profit$
Deal Breakdown
A breakdown of your rental loan deal.
- Loan Amount:
- Down Payment:
- Monthly Interest Payment:
- Total Interest Over Term:
- Origination Fee Amount:
- Other Closing Costs Amount:
- Cost To Sell Amount:
Deal Metrics
A metrics of your rental loan deal.
- Closing Costs:
- Carrying Costs:
- Borrower Equity Needed:
- Total Cash In Deal:
%
Loan to After Repaired Value%
Return Metrics
A metrics of your rental loan return.
- Net Profit:
- Loan to After Repaired Value:
- ROI:
Welcome to Gateway Capital Mortgage
Gateway Capital Mortgage is a Florida-based mortgage brokerage serving clients locally and across 11 states. Headquartered in the Tampa Bay area, we help buyers, homeowners, and investors structure financing with clarity, speed, and precision.
We operate through a wholesale lending network, giving you access to multiple lenders at once—not just a single bank’s limited product set. That means you’re seeing real options, real pricing, and real comparisons from the start.
Where most lenders show you one quote and expect a decision, we take a different approach. We walk through the structure with you—rate, costs, credits, and long-term impact—so you understand exactly what you’re choosing before you lock anything in.
At Gateway, it’s not about pushing a product—it’s about building the right loan for your situation, your timeline, and your financial goals.
What would you like to do?
Start with clarity. Finish with confidence.
At Gateway Capital Mortgage, we don’t just plug you into a loan—we help you choose the right path based on your numbers, your timeline, and how the deal needs to perform.
Read Our Reviews
Structure Over Rate Chasing
Mortgage Broker vs. Bank—The Gateway Approach
At Gateway Capital Mortgage, we don’t lead with rates—we lead with structure. Because how your loan is built determines pricing, flexibility, and how well it holds up in underwriting.
Most borrowers choose the wrong way around—they pick a channel first, then deal with the consequences later when the numbers shift.
We start with what matters: payment, cash to close, and your timeline. Then we run real comparisons across options, so you’re not stuck with one lender’s version.
No pressure. No guesswork. Just a clear strategy—then you choose the path that fits.
Read our Blog
All Things Mortgage: Insights, Trends, and Resources
