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.
What goes into a mortgage payment?
A monthly mortgage payment is usually principal and interest, plus property taxes, homeowners insurance, and any mortgage insurance or program fee (often shortened to PITI). HOA dues are paid separately but lenders count them when qualifying you.
Written by Keith Lopez, NMLS #2814077. Educational estimate only, not a commitment to lend.
Read more before you run the numbers
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- Getting started How to Buy a New Home Before Selling Your Current One in the Carolinas Buying a new home before selling your current one is possible in the Carolinas and Georgia, but lenders will count both payments against your debt-to-income ratio. Here is how contingent offers, bridge loans, and HELOCs can help you manage the gap.
- Getting started Appraisal Came In Low: What to Do Next A low appraisal does not have to end your home purchase. Here are four practical options to consider, from renegotiating the price to requesting a formal reconsideration of value.
Try another calculator.
All of these run in your browser. Estimates only, not a pre-approval or rate quote.
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Home affordability
Estimate a home-price range from income, debts, and down payment.
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Rent vs. buy
Compare estimated renting costs to buying over a set number of years.
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Rate options
Compare rates with and without points, including monthly savings and breakeven.
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Property compare
Compare up to three homes and download a payment breakdown PDF.
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Program compare
Pick any 2 to 4 programs, including FHA 20 vs FHA 30 or a doctor loan, and compare cash to close.
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Refinance compare
Compare refinance options by program, fixed or ARM, points, and cash to close.
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Quick answers before you dig into the numbers.
Use the estimate to compare programs, then talk through the details that only a full file can settle.
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Is this calculator a pre-approval?
No. It is an estimate only. Program fees, taxes, insurance, HOA, and your full file still need a real review before you write an offer.
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Why do FHA, VA, and USDA payments look different?
Each program handles mortgage insurance or guarantee fees differently. The calculator shows those program costs so you can compare the full monthly picture, not just principal and interest.
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What should I do after I get an estimate?
Browse loan programs and your local market pages, then book a free Mortgage Strategy Session. We will plug in your real numbers for NC, SC, or Georgia.
See the full FAQ or browse loan options and NC, SC, and GA markets.
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