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801 International Pkwy Suite 500, Lake Mary, FL 32746

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Conventional mortgage calculator

Conventional

Mortgage payment & cash-to-close calculator

Compare your monthly payment and estimated cash to close. Adjust the sample values to explore your purchase.

Inputs

Adjust closing-cost estimates and seller credit

Calculations

Total loan amount
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Number of payments
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Monthly payment breakdown

Principal & interest
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Property tax
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Home insurance
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Monthly PMI
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Total monthly payment
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Estimated cash to close

Down payment
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Standard loan fees (1%)
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Doc stamp tax on mortgage (0.35%)
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Intangible tax on mortgage (0.20%)
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Settlement fee estimate
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Lender's title insurance
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Appraisal / credit / miscellaneous estimate
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Prepaid homeowners insurance (1 year)
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Escrow setup (taxes & insurance, 3 months)
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Prepaid interest (15 days)
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Seller credit (subtracted)
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Total estimated cash to close
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Seller-credit reference

Worksheet examples below show maximum-credit reference amounts, not automatic seller contributions. Enter the agreed seller credit above.

Down payment exampleCredit referenceAmount
5%3%—
10%6%—
20%9%—

Planning estimate only, not a rate quote or loan approval. PMI uses the worksheet's credit-score estimates and is zero at 20% down. Florida mortgage taxes, estimated fees, three months of escrow and 15 days of prepaid interest follow the reference worksheet. Actual costs and seller-credit limits depend on the transaction. Association dues and other property-specific costs are not included. Values stay in your browser and are not submitted or stored.