Loan Programs & Specialty
Balloon Mortgage Calculator
Borrowers who run balloon numbers are usually planning a sale, a refinance or a short hold, and that plan is the first thing you want to hear about.
Loan Programs & Specialty
Loan program calculators for FHA, VA, USDA, jumbo and specialty mortgages
Borrowers search for "FHA" or "VA" by name. Meet them on that page with that program's numbers.
Free plan, no card. Paid plans include a 14-day trial.
The Loan Programs & Specialty section holds calculators built around a specific program's costs and rules: FHA with MIP, VA with the funding fee, USDA with the guarantee fee, jumbo, construction, reverse (HECM), balloon, combination (piggyback), blended-rate and interest-only. They catch borrowers searching by program name and send you leads already sorted by loan type.
Loan Programs & Specialty
Blended Rate Mortgage Calculator
Homeowners sitting on a low first-lien rate and a pricier second are the refinance prospects most likely to be oversold, and this tool keeps the conversation straight.
Loan Programs & Specialty
Combination Mortgage Calculator
A buyer comparing piggyback financing with PMI already has a down payment, a target price and a reason to talk to someone who can price both sides.
Loan Programs & Specialty
Construction Loan Calculator
Someone pricing a custom build is months from closing and already deciding which lender to trust with the longest, most complicated file you will work this year.
Loan Programs & Specialty
FHA Loan Calculator
Buyers who search FHA payments are often first-time buyers with a little saved, a rent payment to beat and no lender yet.
Loan Programs & Specialty
Interest Only Mortgage Calculator
People who model interest-only payments are usually higher earners with uneven income or an investment plan, and they expect a lender who can talk structure, not just rate.
Loan Programs & Specialty
Jumbo Loan Calculator
One jumbo file can carry the volume of several average purchases, and the buyers who run this calculator are telling you they are shopping in that range.
Loan Programs & Specialty
Reverse Mortgage Calculator
Older homeowners researching a reverse mortgage often involve adult children and advisers, so a clear, honest estimate is the start of a careful, trust-heavy conversation.
Loan Programs & Specialty
USDA Loan Calculator
Buyers who look up USDA payments usually have steady income, little saved and a property outside a major city in mind, which is a very specific lead worth answering quickly.
Loan Programs & Specialty
VA Loan Calculator
Veterans and service members comparing VA payments often know their benefit exists but not what it costs, and the LO who explains it plainly tends to earn the referral network that follows.
Where should each program calculator go?
One program, one page. Embed the calculator where borrowers research that loan.
| Calculator | Borrower question it answers | Where an LO should embed it |
|---|---|---|
| FHA Loan | What is my payment with FHA mortgage insurance and a low down payment? | FHA page, first-time buyer and credit-rebuild content |
| VA Loan | What will my VA loan cost with the funding fee and no down payment? | VA page, veteran and military-community campaigns |
| USDA Loan | What is my payment on a zero-down rural loan? | USDA page, rural and small-town market campaigns |
| Jumbo Loan | What does a loan above the conforming limit cost each month? | Jumbo and high-balance pages, luxury listing partners |
| Construction Loan | What will I pay while building and once the permanent loan starts? | New construction page, builder and custom-home partners |
| Reverse Mortgage | How much could I access from my home equity as an older homeowner? | Reverse mortgage page, retirement-planning referral partners |
| Balloon, Combination, Blended-Rate, Interest Only | How would an alternative structure change my payment and risk? | Non-QM, investor and high-balance pages |
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Why should program calculators sit on their own pages?
Because borrowers search by program, and a page that answers that search converts better than a generic calculator. A veteran searching for a VA loan calculator wants to see the funding fee and zero-down option, not a generic payment tool.
It also simplifies your workflow. Each lead names the calculator it came from, so FHA leads, VA leads and jumbo leads can go to different follow-up sequences, or different team members, using per-calculator webhooks on Producer and Brokerage plans.
Program figures change
Fees and limits such as FHA MIP, the VA funding fee, the USDA guarantee fee and the conforming loan limit ($832,750) are set by the agencies and change over time. The calculators use published program figures; confirm eligibility and costs for each borrower.
FAQ · 6 questions
Questions loan officers ask
Which program calculator should a loan officer add first?
The one for the program you close most. For many purchase LOs that is FHA; for LOs near military communities it is VA. Add others as you build program pages.
Does the VA calculator handle funding fee exemptions?
Yes. The borrower chooses first or subsequent use and whether they are exempt, and the calculator applies the fee, or no fee, accordingly.
Can the USDA calculator confirm eligibility?
No. It estimates the payment with the USDA guarantee fees. Property location and household income limits still need checking against USDA's own tools.
Who should see the reverse mortgage calculator?
Homeowners who meet the minimum age for a HECM and their families. Keep it on a dedicated page with clear educational content; reverse mortgages have their own counseling and disclosure requirements.
Are balloon and interest-only calculators suitable for general buyer pages?
No. They suit investors, high-balance and non-QM borrowers. Keep them on pages written for that audience so the lead matches the product.
Can I route VA and FHA leads to different HighLevel workflows?
Yes, on Producer and Brokerage plans. Set a per-calculator webhook for each program, and each lead arrives with its program inputs and results.
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Your next borrower is already on your site.
Give them the numbers they came for, and get the lead with those numbers attached.
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