Tools
Mortgage calculator
See what a home could cost each month once tax, insurance, HOA and mortgage insurance are in the picture. Adjust anything and the payment updates as you type.
The loan
$100,000 down
Loan term
Monthly extras
Varies by county and community.
Applies only under 20% down.
Estimated monthly payment
$3,495
- Principal and interest$2,528
- Property tax$667
- Home insurance$300
- Loan amount
- $400,000
- Total interest
- $510,178
This calculator gives an estimate for planning only. It is not a loan offer or a quote. Your actual rate, taxes, insurance and fees depend on your lender, your credit, the property and the county. Starting values are typical Central Florida assumptions, so change any of them to match your situation.
Costs people forget in Central Florida
Homeowners insurance is usually higher here than in most of the country, and many newer communities add a CDD fee or HOA dues on top of the mortgage. Those two lines can move a monthly payment more than a quarter point on the rate, so it is worth getting real quotes for the specific home.
Want the numbers for a specific neighborhood or builder? Send Nicole a note and she will walk through it with you.