HouseHack: Loan Calc

Built for buyers: VA loans, FHA, Conventional, and 2–4 unit house hacking

See the number that matters: what a home actually costs you each month — or pays you.

HouseHack: Loan Calc is a mortgage calculator built for military homebuyers and house hackers. Run VA, Conventional, and FHA loans side by side, then go where other calculators stop: model a duplex, triplex, or fourplex, live in one unit, rent the others, and see your real monthly bottom line.

BUILT FOR VA BUYERS

• $0-down VA math with the current funding fee table (first use, subsequent use, and exempt)
• Finance the fee or pay it at closing — computed the way lenders do it
• Enter your BAH and see what it covers
• Compare VA vs. Conventional at identical inputs — see both bottom lines, not just the payments
• FHA MIP and conventional PMI estimates too
• Adjustable-rate mortgages (3/1, 5/1, 7/1, 10/1): honest best / expected / worst-case scenarios — never a prediction

HOUSE HACK ANALYSIS

• Per-unit rents and occupancy for 2–4 unit properties
• The verdict up front: your net cost to live there, or what the property pays you
• Conservative view after vacancy and expenses — no rosy math
• Lender-qualifying view at the 75% rental-income convention
• Investor metrics: NOI, cash flow, cash-on-cash, cap rate

PLAN AND SHARE

• Save scenarios and compare properties side by side
• Extra-payment payoff: see years and interest saved
• Year-by-year amortization
• Share a clean one-page summary of any deal
• Questions? Send them straight to a VA-specialist realtor from inside the app

PRIVATE BY DESIGN Works fully offline — every calculation runs on your phone, and saved scenarios never leave your device. No ads, ever. Anonymous usage stats help improve the app (opt-out in Settings).

Estimates only — not a loan offer, lender quote, or financial advice.