Mortgage calculator
What would the monthly payment look like?
A quick way to sketch out the math. Move the sliders, see what shifts. When you're ready, we'll connect you with a real lender for an actual rate quote, no obligation.
$485,000
$97,000 · 20%
6.85%
30 years
0.95%
$2,800
$0
Estimated monthly payment
$3,160/mo
on a $388,000 loan at 6.85%
Principal & interest$2,542
Property tax$384
Insurance$233
HOA$0
For planning only. We'll connect you with a real lender for an actual rate quote.
Down payment, demystified
You don't always need 20% down. FHA loans can start around 3.5%, conventional at 5%. Anything under 20% adds PMI, which we factor into the real plan.
What rate should I use?
Today's average 30-yr is in the 6–7% range, but your rate depends on credit, down payment, and the lender. We'll point you to two or three we trust.
What's missing from this
Closing costs (2–5% of price), inspection (~$400), survey, title. We'll walk you through every line item in writing before you sign.
Next step
Ready to talk to a real lender?
We have a preferred local lender we trust. Tell us roughly what you're looking at and we'll make the intro.