A quick, honest payment estimate.
Pick Conventional, FHA, VA, or USDA and ballpark the full monthly picture: principal and interest, program MI or guarantee fees, and a rough taxes/insurance placeholder. No credit pull, no obligation.
Estimated monthly payment
$0
- Principal & interest
- $0
- Monthly MI / fee
- $0
- Taxes & insurance
- $0
Taxes and insurance are a rough placeholder (1.5% of price per year) and vary by county, property, and coverage.
- Base loan
- $0
- Financed upfront
- $0
- Total loan amount
- $0
Estimate only. Not a rate quote, pre-approval, or commitment to lend. Actual rate and payment depend on your credit, down payment, property, and program. Program fees shown are planning defaults and can change with occupancy, exemption status, and lender overlays.
Try another calculator.
All of these run in your browser. Estimates only, not a pre-approval or rate quote.
Home affordability
Estimate a home-price range from income, debts, and down payment.
Open →Rent vs. buy
Compare estimated renting costs to buying over a set number of years.
Open →Rate options
Compare rates with and without points, including monthly savings and breakeven.
Open →Property compare
Compare up to three homes and download a payment breakdown PDF.
Open →Program compare
Pick any two programs, including FHA 20 vs FHA 30, and compare cash to close.
Open →Refinance compare
Compare refinance options by program, fixed or ARM, points, and cash to close.
Open →
Ready to talk through the real numbers?
A free Mortgage Strategy Session turns a rough estimate into clarity on programs, payments, and what still depends on insurance and title. No cost, no credit pull required to start.
Keith Lopez, NMLS #2814077 | NEXA Mortgage, LLC, NMLS #1660690 | Licensed in NC, SC & GA | Equal Housing Opportunity