Illustrative example figures—adjust for your situation.
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Includes the mortgage payment, estimated taxes, insurance, PMI, and HOA. Budget separately for utilities and maintenance.
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Down payment only—not your total savings. Keep closing costs and emergency savings separate.
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Use a lender quote if you have one. The example below is not a current rate quote.
National average, 30-year fixed · Freddie Mac weekly survey via FRED · as of Oct 29, 2026. Not a quote — for conventional loans with 20% down and excellent credit. Change it to see your numbers.
Start with the payment you want. See what that could mean for your home search.
▶Adjust taxes, insurance & loan details
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The property-tax percentage is a planning approximation. Actual taxes and insurance depend on the property. Insurance and HOA stay the same dollar amounts in both scenarios unless you change them.
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Estimates for education only, not a loan offer, rate quote or commitment to lend. Your rate, mortgage insurance, taxes and insurance depend on your credit, property, location and loan program.
This tool does not assess income, debts, credit approval, program requirements or loan limits. Conventional fixed-rate model only.
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