🏠 Mortgage Tool
Mortgage Calculator
See your estimated payment. Compare loan programs. Know what you can afford.
Adjust Your Numbers
$320,000
$16,000
3%9%
Estimated Monthly Payment
$2,526
per month
P&I
$1,823
Property Tax
$427
Insurance
$150
PMI
$127
Min. Income Needed (28% DTI)
$108,256/yr
Loan Programs You May Qualify For
| Program | Down Payment | Min. Credit | PMI | |
|---|---|---|---|---|
| Conventional | 3-20% | 620+ | Yes | ✓ May fit |
| FHA | 3.5% | 580+ | Yes (life) | |
| VA | 0% | 580+ | None | ✓ May fit |
| USDA | 0% | 640+ | Low | ✓ May fit |
This is an estimate only. Actual rates, terms, and eligibility depend on your specific financial situation.
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