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SIDNEY MANZO
A walnut desk in soft window light with a brass house key, a navy notebook and a fountain pen

Tools

Financing Studio

Plan the numbers before you shop, sell or refinance.

Book a buyer consultation

The studio

Choose a tool

Each tool runs in your browser. Every figure is an estimate you can change.

  • Mortgage payment

    See a monthly payment with tax, insurance, HOA and mortgage insurance.

    Monthly payment$15,697Example: $2,500,000 price, 6.4% rate, 30 years
    Open

  • Affordability

    Turn income, debts and a down payment into a price range to plan around.

    Price to plan around$1,261,000Example: $300,000 yearly income, $400,000 down
    Open

  • Rent vs buy

    Compare renting with buying over the years you expect to stay.

    Owning, first month$8,535Example: next to $4,500 a month in rent
    Open

  • Refinance

    See a new payment, the break-even month and the lifetime difference.

    Break-even12 monthsExample: 7.25% to 6.25% on $800,000
    Open

  • Points break-even

    Find how long lower payments take to earn back the cost of points.

    Break-even62 monthsExample: 1 point, 6.5% to 6.25%
    Open

  • Extra payments

    See how extra principal shortens the loan and cuts interest.

    Interest saved$174,320Example: $300 more a month on $800,000
    Open

  • Debt-to-income

    Work out housing and total debt shares of gross monthly income.

    Total debt share34%Example: $20,000 gross monthly income
    Open

  • Seller net sheet

    Estimate what a sale may net after loans, costs and transfer tax.

    County transfer tax$1,650Example: a $1,500,000 sale. Net shows once you enter your commission rate.
    Open

How it works

Three steps

  1. Start with an example

    Each tool opens with example numbers. Replace them with yours.

  2. Carry your numbers

    Price, down payment, rate, term and tax rate follow you to the next tool in this browser.

  3. Check with a lender

    Use the estimate to plan, then ask a lender for a quote on your loan.

Questions

About the studio

Are these numbers a loan offer?

No. Each tool gives an indicative figure for planning. It is not a lender quote and not an offer of credit. A lender sets the rate, fees and terms for your loan.

Is anything I type sent to you?

No. The math runs in your browser. Price, down payment, rate, term and tax rate are saved in this browser so the next tool starts with them, and Clear saved inputs removes them.

Can I share a scenario?

Yes. Copy link creates a link that opens the tool with the same numbers, and Email starts a message in your own mail app with the summary and the link.

An indicative figure for planning. Not a lender quote and not an offer of credit. Sidney Manzo, CA DRE #01108914. RE/MAX Dream Properties (ASLG Inc), CA DRE #02142193.