HouseHack: Loan Calc

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.