Mortgage CalculatorMortgage Payment Calculator
Estimate your monthly payment across FHA, VA, USDA, and Conventional financing.
Standard financing typically requiring 3-5%+ down. PMI applies above 80% LTV and cancels once you reach 20% equity.
Government-backed loan with a low 3.5% minimum down payment and flexible credit requirements. Requires upfront and annual mortgage insurance (MIP).
For eligible veterans, service members, and surviving spouses. Allows 0% down with no monthly mortgage insurance, though a funding fee usually applies.
For eligible rural and suburban properties. Offers 0% down financing with an upfront and annual guarantee fee in place of traditional mortgage insurance.
Annual: $0
Annual: $0
Annual: $0
Your Estimated Monthly Payment
$0
Payment Breakdown
Principal & Interest$0
Property Taxes$0
Mortgage Insurance$0
Homeowners Insurance$0
HOA$0
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| Years From Now | Est. Purchase Price | New Loan Amount | Monthly Payment | Monthly Increase | Lost Equity (Appreciation) | 10-Yr Cost of Waiting |
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Assumes 2% annual home price appreciation and today's interest rate held constant. Lost equity reflects only the
price appreciation forfeited by not owning during the waiting period — it does not include principal paydown,
rate changes, or other market factors. 10-Year Cost of Waiting = (monthly payment increase × 120 months) + lost equity.
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Disclosure: Information and interactive calculators are provided as self-help estimating tools for illustrative purposes only.
Mortgage insurance / funding / guarantee fee figures are estimated from published program guidelines and are not a substitute for
an actual lender quote or AUS determination. Down payment defaults shown reflect common program minimums and do not guarantee
eligibility for zero-down or minimum-down financing. The Texas 100% disabled veteran property tax exemption is state-specific,
subject to county appraisal district approval, and not guaranteed by this tool. Actual payment, rate, MI, tax, and terms depend on
final loan approval, credit profile, investor overlays, and program guidelines in effect at time of application. Not a commitment
to lend. Equal Housing Opportunity. NMLS# [insert your NMLS ID here].