# HouseHack: Loan Calc — VA Loan & House Hack Numbers

> VA Loan & House Hack Numbers (iPhone/iPad app by Juwane Brown.)

- Source: https://appshunter.io/ios/app/househack-loan-calc/id6787518156 (this page in markdown: same URL + `.md`)
- Developer: [Juwane Brown](https://appshunter.io/developer/6787518158)
- Category: Finance
- Price: Free
- Age rating: 4+
- Requires: iOS 17.0 · 13 MB
- Languages: English
- Released: 2026-07-10
- Data updated: 2026-08-01
- User reviews in markdown: https://appshunter.io/ios/app/househack-loan-calc/id6787518156/reviews.md

## What is HouseHack?

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.


## Version history (last 2 releases)

### 1.1 — 2026-07-26

New: rent-by-room analysis for single-family homes, plus utilities in your monthly numbers. Start your lender application directly from the app. Improvements and bug fixes.

### 1.0 — 2026-07-10

No release notes.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-01.*