Line up homes. Send a clear payment breakdown.
Compare up to three properties with the payment numbers for each: price, rate, P&I, HOI, taxes, HOA, and MI when it applies. Upload a listing photo, then download a branded PDF to text or email your buyer. Runs in your browser. Estimate only.
Properties
Add up to 3 homes. Upload a photo from the listing, enter the payment numbers, then download a PDF to send.
Up to 3 properties.
Side-by-side
Updates live as you type.
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Why compare the payment, not just the price?
Two homes at the same price can have very different monthly payments. Property taxes, homeowners and flood insurance, and HOA dues change the real cost of ownership, and they also change how much you qualify for. Comparing full payments side by side shows which home actually fits the budget.
Written by Keith Lopez, NMLS #2814077. Educational estimate only, not a commitment to lend.
Common questions
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Where do I find the property taxes for a listing?
The listing usually shows the current tax bill, and county tax assessor sites have the official record. In South Carolina, the bill for a primary residence can be much lower than what a previous owner paid if they used it as a second home or rental, so ask your loan officer before relying on the listing number.
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How should I estimate insurance?
Get a real quote when you can, especially near the coast. Homes in a flood zone with a federally backed mortgage require flood insurance, and wind coverage can be separate in some coastal areas. Both can change the payment meaningfully.
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Does HOA affect how much I qualify for?
Yes. Lenders add HOA dues to your housing payment when calculating debt-to-income, so a high HOA lowers the price you qualify for.
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Can I send the comparison to my agent?
Yes. Download the PDF and share it with your agent or co-borrower. It is a good way to narrow a short list before writing an offer.
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Is this a loan estimate?
No. It is an estimate only, not a pre-approval, a rate quote, or a commitment to lend. An official Loan Estimate comes after you apply on a specific property.
Read more before you run the numbers
- Loan Programs Reverse Mortgage HECM Basics: What Homeowners 62+ in NC, SC, and GA Need to Know A HECM reverse mortgage lets eligible homeowners 62 and older tap home equity without a required monthly mortgage payment, but the balance grows over time and ongoing obligations remain. Here is a plain-English breakdown of how it works in North Carolina, South Carolina, and Georgia.
- 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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Payment calculator
Ballpark monthly principal and interest from a home price.
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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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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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Ready to turn the comparison into a clear next step?
A free Mortgage Strategy Session lines up program fit, payment comfort, and what to offer.
Keith Lopez, NMLS #2814077 | NEXA Mortgage, LLC, NMLS #1660690 | Licensed in NC, SC & GA | Equal Housing Opportunity