Mortgage Calculator

Plan Your Purchase

Estimate your monthly payment before you fall in love with a home. Type a number or drag the slider — price, down payment, rate, term and tax.

Home price $

Down payment %

Interest rate %

Loan term yrs

Property tax / yr $

Estimated from your price and the tax rate below.

Home insurance / yr $

Estimated from your price and the insurance rate below.

Assumptions you can change

These are starting estimates, picked so the calculator has something to work with. They are not tax law, not an insurance quote, and not specific to any one property, county or exemption. Type over any of them. The moment you type your own tax or insurance dollar figure, we stop overwriting it.

Property tax rate % of price / yr

Starting estimate only. Real millage is set per county and per municipality, and moves with exemptions.

Insurance rate % of price / yr

Starting estimate, unconfirmed. South Florida premiums swing hard on roof age, wind mitigation and flood zone. Get a real quote.

Annual growth % / yr

Applied to tax and insurance in the year-by-year table below. Set it to 0 to hold both flat.

This is new construction

Leave unchecked for an existing home. Checked, we assume year 1 is still billed on the land-only assessment the builder carried, and the full bill on your price starts in year 2 — so year 1 reads lower. That is our assumption, not a county rule. Confirm the real reset with the county before relying on it.

Estimated monthly payment

$8,200

principal, interest, estimated tax & insurance

Loan amount$1,200,000

Cash down$300,000

Principal & interest$7,600

Est. property tax / mo$2,500

Est. insurance / mo$1,000

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Year-By-Year Projection

yrs

Estimate only — the tax rate, insurance rate and growth rate above are editable starting assumptions we chose, not tax law and not a quote. Your actual rate, taxes, insurance and HOA will vary. The Neuman Group is not a mortgage lender; when you are ready we will connect you with a licensed lender.

Mortgage Calculator