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Credit Card Utilization Calculator

Animated calculator Did you know that 30% of your credit score is based on a ratio between the amount that is owed on your credit cards and the credit limit on the credit card? The utilization formula plays a big role in determining your credit score. This credit utilization calculator will estimate the utilization percentage and will determine the amount that exceeds 30%. Please send me an E-mail if you see an error or want to make a comment.

	Balance Total	Total Credit Card Limit	Average Credit Utilization Percentage		Credit Reduction Target


	Current Balance	Credit Card Limit	Credit Utilization Percentage	Result	Reduction (if applicable)

Calculators

Mortgage and closing cost (PA)
Income & Debt
Tiered commission calculator
Loan calculator paying extra on principal
15-year home equity loan calculator
Per diem interest
Property tax proration calculator

FHA LOAN CALCULATORS
FHA mortgage calculator with monthly payment - 2021
California
Florida
Illinois
Maryland
New York
Pennsylvania
South Carolina
Texas

Veteran Loan Calculators
VA loan residual income calculator
California
Florida
Illinois
Maryland
New York
Pennsylvania
Texas
VA mortgage loan calculator for AL, AZ, AR, DE, IL, IN, IA, KS, KY, LA, ME, MI, MN, MS, MO, MT, NE, NV, NM, ND, OH, OK, OR, RI, SC, SD, TX, VT, WI, PR and eligible US counties with taxes and insurance

FHA

FHA Loan
2021 FHA loan limits for US counties

10 Differences between FHA and conventional loans
Amendatory clause and real estate certification form
Funding fee and MIP explanation
Condo approval guidelines & approval list
FHA cosigner
2nd home

USDA
USDA home loans
Income limits for USDA loans
USDA loan calculator

Conventional & Jumbo
Conventional loan guidelines
Conventional 97 loan & calculator

2021 jumbo loan limits for FHA, VA, USDA & conventional loans
Initial mortgage loan application
adjustable-rate mortgage
Balloon payment mortgage
Hybrid adjustable-rate mortgage
Interest only mortgage

Veterans Mortgage
What is a VA loan and how does it work?
VA home loan questions and answers - 10 - 22
VA home loan questions and answers 23 - 28
VA home loan questions - 29 - 42

REFINANCE
FHA cash out refinance guidelines
Conventional refinance loan requirements
High LTV refinance program
Refinance a USDA loan
VA streamline refinance

SELLER CLOSING COST CALCULATORS
Connecticut
Florida
Georgia
Massachusetts
Michigan
New Jersey
Nevada
North Carolina
Ohio
Pennsylvania
South Carolina
Texas
Virginia
Washington DC
Wisconsin

Reverse Mortgage
Can you sell a house with a reverse mortgage?
HUD counseling for a reverse mortgage
HECM program pros and cons
Reverse mortgage financial assessment
How long do reverse mortgage payments last?
Reverse mortgage for purchase of a home
Getting a reverse mortgage with bad credit
What is an hecm loan?

Frequently asked questions

Automated underwriting system
Buying a house for sale by owner
Debt to income ratio
Federal grants
HUD home
Calculate per diem interest
Mortgage loan application
Lock in mortgage rate or float
Paying for points
Private mortgage insurance
Points on my mortgage
Tips for putting in offer
Typical homeowner's insurance cost
What is a Seller Assist?
What is a short sale?
Difference in APR and interest rate

The calculators and information contained herein are made available to you as a self-help tool for illustrative use only. Examples are hypothetical. We can not and do not guarantee the applicability or accuracy in regards to your individual circumstances. I encourage you to seek personalized advice from qualified professionals.