Mortgage Calculator

Estimate your total monthly payment

Most calculators only show principal and interest. This one includes taxes, insurance, PMI, HOA, and flood insurance so you see the real number.

Loan Details

Home Price $450,000

Down Payment 10% · $45,000

Interest Rate (APR) 6.75%

Loan Term

Monthly Housing Costs

Property Tax ($/year)

Homeowner Insurance ($/year)

HOA Dues ($/month)

Flood Insurance ($/year)

Estimated Credit Score

Estimated Monthly Payment

$3,648

Principal, Interest, Taxes & Insurance

Payment Breakdown

Principal & Interest $2,553

Property Tax $450

Homeowner Insurance $300

PMI $0

HOA Dues $0

Flood Insurance $0

Total Monthly $3,648

This calculator provides educational estimates only. It does not constitute an approval, commitment to lend, or offer of credit. Actual payments may vary based on your credit profile, lender fees, rate lock, and other factors. PMI is estimated at 0.5% of the loan amount annually. Contact Austin for a personalized quote.

Closing Cost Estimator

Estimate your closing costs

Closing costs typically range from 2% to 5% of the purchase price. Use this tool to get a realistic breakdown of what to expect at the closing table.

Closing Cost Details

Purchase Price $450,000

Loan Type

Estimated Closing Cost Rate 3.0%

1.5% 6%

Estimated Closing Costs

$13,500

Cost Breakdown

Lender Fees $4,050

Title Services $2,700

Appraisal & Inspection $1,080

Recording & Transfer Fees $405

Prepaid Taxes & Insurance $3,375

Escrow Funding $1,890

Total Closing Costs $13,500

This closing cost estimator provides educational estimates only. Actual closing costs vary by lender, location, loan type, and individual circumstances. Some costs may be higher or lower than shown. Contact Austin for a personalized Loan Estimate.