Matt Doby | NMLS #2115225 | NC and SC mortgage guidance Edge Home Finance, LLC | Company NMLS #891464 | 843-589-1776 | Text Matt
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Payment Planning Tool

Mortgage calculators start the conversation, but they do not replace the file review.

Use NC and SC mortgage calculators for payment, FHA, VA, refinance, cash to close, buying power, construction, DSCR, Non-QM, and closing cost planning.

Choose a calculator Compare Financing Options
NC and SC licensed Your question stays attached Loan and property review
SCSouth Carolina market pages NCNorth Carolina market pages FHAPayment, MIP, repairs, and cash to close VAEntitlement, seller credits, and military timing ReviewSend the property, payment, cash to close, and timing
Your mortgage contactMatt Doby, NMLS #2115225, reviews NC and SC mortgage questions directly.
Possible deal issuesPayment, cash to close, property condition, credits, and timing reviewed together.
Clear follow-upThe page, question, and goal stay attached so Matt can respond with the right context.
Best forPayment Planning Tool
What Matt reviewsInputs, assumptions, taxes, insurance, payment, and cash
Next StepRun the estimate, then send the actual property for review

Choose the calculator for the decision you are making

Use payment tools for a price range, cash-to-close tools for required funds, construction tools for project structure, and refinance tools for cost recovery. Then replace every broad assumption with borrower- and property-specific facts.

  • Payment: principal, interest, taxes, insurance, mortgage insurance, and HOA
  • Cash to close: down payment, costs, prepaids, credits, deposits, and reserves
  • Construction: land, budget, contingency, draws, interest, and final payment
  • Refinance: current loan, proposed loan, complete costs, benefit, and break-even

Choose the calculation you need.

Each tool is free to use without submitting contact information. Example rates and costs are editable planning assumptions, not current offers.

AffordabilityCompare payment comfort, debts and cash left after closing.Buying powerWork back from a housing-payment target to an illustrative price.Cash to closeSeparate down payment, costs, prepaids, deposits and credits.Closing costsDistinguish transaction fees from escrow and prepaid amounts.Construction with landKeep lot value, equity, build budget and draw-interest assumptions separate.Debt to incomeCompare gross monthly income with housing and recurring debt.Rental DSCRCompare qualifying rent with entered principal, interest, taxes, insurance and dues.FHA payment and MIPCompare down payment, upfront and annual MIP, housing costs and cash.Fix and flipTest rehab, financing, carrying costs, resale costs and cash ROI.Rental operating cash flowCompare rent, vacancy and operating allowances with debt service.Jumbo payment and reservesCompare the payment with a reserve-month assumption.Complete paymentInclude taxes, insurance, mortgage insurance, dues and other housing costs.Non-QM planningKeep the selected documentation path, payment and planning metric distinct.Purchase paymentSeparate the loan payment, taxes, insurance, dues and mortgage insurance.Refinance break-evenCompare entered costs, monthly change and time before payoff or sale.Refinance paymentCompare a new balance and term with the current principal-and-interest payment.Rent versus buy assumptionsCompare rent growth and a modeled sale after amortization and selling costs.USDA payment assumptionsInclude selected guarantee-fee inputs and actual property costs.VA funding fee assumptionSeparate an entered fee percentage or exemption from the base loan.VA purchase paymentCompare purchase down-payment tiers, funding fee, payment and cash.VA purchase assumptionsUse an entered funding-fee assumption with payment and cash planning.VA refinance comparisonCompare a replacement balance, fee assumption, payment and costs.

Choose the decision

Use the calculator that matches the question in front of you

Payment is only one part of the decision. Start with affordability, cash to close, construction, refinance, VA, USDA, investor cash flow, or rent versus buy so the assumptions and follow-up stay relevant.

AffordabilityIncome, debts, payment comfort, cash, and price range.Cash to closeFees, prepaids, escrows, credits, and deposits.ConstructionLand, budget, contingency, draw interest, and permanent payment.VAPayment, funding fee, taxes, insurance, and cash.USDAGuarantee fees, payment, and property eligibility reminders.InvestorCash flow, operating allowances, debt service, and DSCR.Refinance break-evenMonthly savings, costs, and time to recover them.Rent versus buyMonthly cost, time horizon, rent growth, and equity assumptions.

Calculator results are educational estimates, not approvals, quotes, disclosures, appraisals, or commitments to lend. Replace broad assumptions with the actual property and program facts before making a decision.

What to send when the estimate needs a real review

Send the property address, price or balance, goal, timing, and the input that needs to be verified.

Check the estimate against the real property

Review my financing options with Matt Send the property address Check payment and cash to close Ask what could slow the file down

Questions to ask about the estimate

Can I use this calculator number as a final approval?

No. Use it as a planning estimate, then verify taxes, insurance, credits, income, assets, and program rules before relying on it.

What should I send after using the calculator?

Send the property price or address, down payment or equity, estimated taxes and insurance, credit concern, and timeline.

Why can the real payment differ from the estimate?

Taxes, insurance, HOA dues, mortgage insurance, credits, lock timing, and underwriting conditions can all change the final number.

Educational information only. Not a loan approval, rate quote, or commitment to lend. Final approval depends on borrower, property, program, pricing, and underwriting review.