Mortgage Calculators

Every number a lender hopes you’ll take their word for — run it yourself first. Free, no credit check, and your result comes before anyone asks for your information.

Start here — every buyer

Affordability Calculator

How much house your income, debts, and down payment actually support — with the payment broken down.

Run the Affordability Calculator

Household Budget Planner

A full household budget tool: what comes in, what goes out, and what’s really left for a home.

Open the Budget Planner

Construction Estimator

A rough build-cost and payment picture for one-time-close construction in Northeast Florida.

Try the Construction Estimator

VA & military tools

BAH Calculator

Turn your BAH into a real buying-power number for Jacksonville, NAS Jax, and Mayport.

Run the BAH Calculator

VA Residual Income Calculator

The underwriting test VA lenders actually run: what must be left over after the payment.

Run the Residual Income Calculator

VA Zero-Down Buying Power

Your remaining entitlement turned into a zero-down price ceiling for any Florida county.

Run the Zero-Down Calculator

VA Entitlement Calculator

Exactly how much entitlement you’ve used, what’s left, and when a down payment comes back in.

Run the Entitlement Calculator

VA Certificate of Eligibility

What a COE is, what it proves, and how to get yours read correctly.

Read the COE Guide

Not sure where to start?

Most people start with the Affordability Calculator. Veterans usually start with BAH or Zero-Down Buying Power — the chain carries your numbers from one tool to the next, so you won’t re-type them.

Have Douglas Review My Numbers
Call (904) 517-4049

You work directly with Douglas — no call center, no hand-offs.

Jason Haglund

Posted on Google · July 31, 2026

★★★★★

If you're a veteran looking to buy a home, I can't recommend Douglas highly enough. As a fellow Marine veteran, he truly understands every aspect of the VA home loan process and knows how to navigate it from start to finish. His knowledge, professionalism, and commitment to serving veterans are second to none. What really sets Douglas apart is that he's much more than just a mortgage loan officer. He works seamlessly with your real estate agent to make sure everyone is aligned and the entire process runs smoothly. You never feel like you're just another transaction. The best part is that once you become part of Douglas's ecosystem, you never really leave it. He continues to be a trusted resource long after closing, providing guidance, connections, and support whenever you need it. It's not just a mortgage—it's a lifelong relationship and an incredible asset to have in your corner. If you're looking for someone who genuinely cares about your success and has the expertise to get the job done right, Douglas is the person to call. Semper Fi!

Equal Housing Opportunity. Mortgage services are provided by Douglas Wilkerson, Branch Manager and Mortgage Broker with Edge Home Finance Corporation. Loan programs, rates, eligibility, underwriting guidelines and availability are subject to change. All applications are subject to credit review, verification, property eligibility, applicable underwriting requirements and final approval. This website does not constitute a commitment to lend or a guarantee of financing.