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For a home purchase, choose a loan type and enter a few numbers. See the estimated monthly cost of your future home.
Estimated monthly total
Includes the entered taxes, insurance and dues, even if paid separately from your mortgage. This is a purchase-loan planning estimate, not a rate quote, APR, loan approval or commitment to lend. Actual rates, mortgage insurance and program eligibility vary. Cash needed at closing, prepaid expenses and reserves are not calculated here. Any upfront program fee you choose to finance is included in the loan amount.
Email or text for a detailed estimateWhat’s included?
Conventional PMI uses an annual planning rate based on your down payment, applied to the base loan amount and divided by 12. You can edit the rate; changing the home price or down payment restores the automatic estimate. No PMI is estimated with at least 20% down. FHA includes its upfront premium and an estimated first-year monthly MIP amount. VA includes the applicable purchase funding fee and no monthly mortgage insurance.
FHA calculations use standard forward-mortgage premiums and the 2026 national conforming threshold of $832,750 for the premium tier. This threshold is not your county’s FHA loan limit. FHA monthly MIP is estimated using the first-year average loan balance; the servicer’s final amount and rounding may differ. Loan limits, entitlement, credit, occupancy and other requirements must be reviewed separately.
Enter actual property costs where possible. Sam can research property taxes and help refine insurance and association costs. Changing the loan type keeps your inputs so you can compare the same scenario. Update the interest rate for each program if your quotes differ.
Program assumptions reviewed October 9, 2026. Ask Sam to confirm the requirements for your loan.
Your next move starts
with a conversation.
Email or text Sam to schedule a call. Include a convenient time and whether you prefer a phone or video meeting.