The calculator built by an F&I manager — the person who's seen exactly how these deals get structured. Know your numbers before you sign anything.
01 Vehicle & Location
$
02 Trade-In
$
What the dealer will give you
$
Remaining loan balance
03 Down Payment & Income
$
$
Before taxes — all sources
04 Credit Tier
05 Loan Term
Your Deal Analysis
Deal Health
ESTIMATED MONTHLY PAYMENT
Amount Financed
Sales Tax
Total Interest
over full loan term
PTI Ratio
Approval Odds
Overall Approval Likelihood
Expected APR Range
⚠ Subprime Buyer — Here's What That Means
Watch Out For
Your Leverage Points
01 Property Details
$
$
0% down
02 Your Finances
$
Before taxes — all sources
$
Car, student loans, credit cards (minimums)
03 Loan Details
$
Monthly estimate (~$1,200-2,400/yr typical)
$
Leave 0 if none
04 Credit Tier
Your Mortgage Analysis
Deal Health
ESTIMATED TOTAL MONTHLY PAYMENT
Principal + Interest
Property Tax
monthly escrow
Total Interest
over full loan term
PMI
Debt-to-Income Ratios
Front-End DTI
Housing costs vs income Lenders want under 28%
Back-End DTI
All debt vs income Lenders max out at 43%
Expected Rate Range
⚠ PMI Required — Down Payment Under 20%
⚠ Qualified vs Affordable — These Are Different Numbers
Watch Out For
Your Leverage Points
Heads up: RealDeal provides educational estimates. Actual approval, rate, and payment depend on your full credit profile, lender decisions, vehicle specifics, and other factors. Tax rates are based on Ohio county data and may not reflect recent changes. Always review your contract line by line before signing anything.