Mortgage Payment Calculator

01 · BUILD YOUR SCENARIO

See your real payment estimate.Adjust the numbers and build the game plan you actually want.

Choose a financing path

Property address or ZIP codeZIP-level estimate powered by PropertyTaxByZip data. Actual taxes may differ based on assessed value, exemptions, taxing districts, and local levies. Verify with the county assessor.

Home price$

Down payment%

5.00% = $22,500

Is at least one borrower a first-time homebuyer?Generally, someone who has not owned a home in the last three years.

Interest rate%

Starts at Freddie Mac’s 30-year national average · August 27, 2026

Loan term

Annual property taxes$

Annual homeowners insurance$

Planning estimate · 0.30% of purchase price

Monthly HOA$

Annual mortgage insurance estimate%

Planning estimate for 760+ FICO

FINANCED BASE LOAN AMOUNT

$427,500(95.0% LTV)

Estimated base loan after down payment.

2026 FHFA COUNTY CHECKDoes this fit the Conventional limit?

$832,750

StateCounty

The national one-unit conforming baseline applies. County selection is more accurate than ZIP because ZIP codes can cross county lines.

CONVENTIONAL COUNTY LIMIT CONFIRMED The estimated base loan is within this county’s 2026 one-unit limit.

02 · YOUR PAYMENT COMMAND CENTER

CONVENTIONAL · $427,500 financed base loan amount

LIVE ESTIMATE

BASE LOAN AMOUNT$427,500

FINANCED FEE$0

DOWN PAYMENT$22,500

Estimated total payment

$3,370/month

PAYMENT ANATOMY

Principal + interest: $2,747
Property taxes: $375
Homeowners insurance: $113
Mortgage insurance: $135
HOA: $0

Planning estimate only. Not a quote, approval, commitment to lend, APR, or Loan Estimate. Conventional MI uses a simplified borrower-paid monthly estimate for a 760+ FICO, 30-year fixed, one-unit primary residence; actual MI varies by insurer, coverage, credit, DTI, occupancy, property, loan characteristics, and market pricing. Conventional and Jumbo county checks use official 2026 FHFA one-unit conforming limits. FHA county checks use official 2026 HUD one-unit loan limits; FHA purchase modeling uses a 96.5% maximum base-loan LTV, 0.55% annual MIP above 95% LTV and 0.50% at or below 95% LTV, plus 1.75% upfront MIP, which may be financed or paid at closing. USDA modeling uses a 1.00% upfront guarantee fee and 0.35% annual fee; income, property-location, occupancy, and program eligibility apply. VA purchase funding-fee modeling uses the official first-use/subsequent-use and down-payment tiers; the fee may be financed or paid at closing, and exemption must be confirmed by VA. VA loans do not require monthly MI. Jumbo modeling defaults to no monthly MI because many jumbo programs do not use it and remains subject to investor guidelines. County selection is for planning only; property location, unit count, agency rules, and lender verification control. Taxes, insurance, HOA, rates, fees, closing costs, and eligibility vary.

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MILITARY & VA

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