Mortgage Calculator

Estimate Your Monthly Payment

Includes principal, interest, taxes, insurance, and PMI where applicable.

% of purchase priceDollar amount
PMI applies when down payment is less than 20% (Conventional). Estimated at 0.5% of loan amount annually.
Estimated Total Monthly Payment
$0
per month (PITI + PMI where applicable)
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Estimate only. Contact us for a precise personalized quote.

📈 Sample Rates (Reference)

30-yr Conventional~7.1%
15-yr Conventional~6.5%
FHA 30-yr~6.8%
VA 30-yr~6.6%
DSCR (Investor)~7.5%
Sample rates only. Contact us for live rates based on your credit and loan type.

🔒 About PMI

When is PMI required?

  • Conventional < 20% down: PMI until 80% LTV
  • FHA any amount: MIP for life of loan (usually)
  • VA Loans: No PMI ever — zero down, no insurance
  • DSCR / Commercial: No personal PMI

PMI is typically 0.5% of your loan amount per year, divided into monthly payments. FHA charges an upfront MIP (1.75%) plus annual MIP (~0.55% for 30yr loans).

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These are estimates. Get a precise quote based on your actual credit score, down payment, and property.

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