Mortgage calculators for Louisville buyers. Tuned to this market, not a coastal one.

Start with what you can comfortably afford. Every loan program then has its own calculator on its own page, because the math genuinely differs — an FHA payment and a USDA payment are not the same calculation with a different rate.

Run the numbers

What could you comfortably buy here?

Income against your existing monthly debts, at roughly a 43% debt ratio. The most useful number to start from.

Gross household income / month

Monthly debts (cards, cars, loans)

Down payment saved

Interest rate (%)

Assumes about 1.7% annually for taxes and insurance, which is typical for the Louisville area. These are illustrative estimates, not a rate quote, an offer, or a commitment to lend. Your real figures depend on your full file. Every other program has its own calculator — they are collected here.

Estimated price power

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top of your comfortable range

Check these against your file

Program calculators

Each program does its own math.

Mortgage insurance, guarantee fees and funding fees are what actually separate these programs — and they are precisely what a generic calculator leaves out. Each of these includes the real cost of its program.

KHC down payment assistance calculatorWhat you would actually bring to closing, with and without assistance.FHA payment calculatorIncluding the monthly mortgage insurance premium most FHA calculators quietly omit.USDA payment calculatorZero down, with the 1% guarantee fee financed and the 0.35% annual fee included.VA payment calculatorWith the funding fee financed in — and the exemption that sets it to zero.Conventional payment calculatorPrincipal, interest, taxes and insurance at Louisville-area figures.DSCR ratio calculatorWhether the rent covers the payment, and how the ratio prices.Bank statement income calculatorWhat your deposits would support once the expense factor is applied.Refinance break-even calculatorHow many months until a refinance pays for itself. The number that decides it.HELOC payment calculatorInterest-only on what you draw, plus the stress line if rates rise two points.Jumbo payment calculatorFor purchases above the annual conforming limit.

All of these are illustrative estimates and none of them is a rate quote, an offer, or a commitment to lend. Your real figures depend on your credit, the property, the program and how the loan is structured. When you want the actual numbers, send Ryan your scenario.

No credit pull · No obligation

Put your mortgage scenario in front of Ryan.

Send the shape of your situation and Ryan will tell you where you actually stand — including when the answer is that a different program, or a different month, serves you better. He reads these himself.

18 yearsoriginating since 2007

1,800+loans closed

200+ lendersshopped on your file

Call or text(502) 457-6615

Emailryan@sweetwaterHL.com

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Rough loan size

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Already decided and ready to go? Start the full application →Secure Coast 2 Coast Mortgage, LLC portal — your SSN and documents are handled there, never on this site.

🔒 Nothing on this form touches your credit. No Social Security number, no pay stubs, no application — just enough for Ryan to give you a straight answer. Equal Housing Opportunity. Ryan Miles, NMLS #112627 · Coast 2 Coast Mortgage, LLC, NMLS #376205.