Mortgage Calculator

Use our home loan calculator to estimate your total mortgage payment, including taxes and insurance. Simply enter the price of the home, your down payment, and details about the home loan, to calculate your mortgage payment, schedule, and more.
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Your mortgage payments over 30 years will add up to $0.
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Mortgage Help

Down Payment

The typical rule of thumb is to pay 20 percent of the home's price as your down payment, although some mortgage loans require as little as 3.5 percent down. Your down payment reduces the total amount of your mortgage loan, so the more money you put down, the lower your payments will be - or the more expensive a house you can buy.

Loan Term

Your loan program can affect your interest rate and monthly payments. Choose from 30-year fixed, 15-year fixed, and more in the calculator.

Loan Type

There are several types of mortgage loans, but the most commonly used are fixed-rate and adjustable-rate loans. Fixed-rate loans have the same interest rate for the entire duration of the loan. That means your monthly payment will be the same, even for long-term loans, such as 30-year fixed-rate mortgages. Two benefits to this loan type are stability, and being able to calculate your total interest up front. Adjustable-rate mortgages (ARMs) have interest rates that can change over time. Typically they start out at a lower interest rate than a fixed-rate loan, and hold that rate for a set number of years, before changing interest rates from year to year. For example, if you have a 5/1 ARM, you will have the same interest rate for the first 5 years, and then your interest rate will change from year to year. The main benefit of an adjustable-rate loan is starting off with a lower interest rate.

Interest Rate

This field is pre-filled with the current average mortgage rate. Your actual rate will vary based on factors like credit score and down payment.

Property Tax Rate

The mortgage payment calculator includes estimated property taxes based on the home's value. You can edit this in the advanced options.

Home Insurance

Home insurance or homeowners insurance is typically required by lenders, depending on the loan program. You can edit this number in the mortgage calculator advanced options.

HOA Fees

A homeowners association fee (HOA fee) is an amount of money that must be paid monthly by owners of certain types of residential properties, and HOAs collect these fees to assist with maintaining and improving properties in the association.

Hear From Our Clients

Kaleb Brown

Lena Wimes

Jaz was everything I could have hoped for in a realtor—prepared, genuinely kind, responsive, and always focused on what was best for me and my family - not just closing a sale. She made sure I never felt rushed or overwhelmed, and brought a calm, supportive presence to every step of the process. She is very intuitive, knowing exactly the right times to talk and also the right times to just be on standby when I needed time to think or process. She genuinely cares about the community and supports local businesses, which made working with her even more meaningful. We moved from halfway across the country and Jaz connected us with all the best people and businesses. Even after closing she’s continued to be there for any extra questions I’ve had. If you’re buying in Saint Augustine, Jaz is 100% who you want by your side.

alwimes

Jaz was everything I could have hoped for in a realtor—prepared, genuinely kind, responsive, and always focused on what was best for me and my family - not just closing a sale. She made sure I never felt rushed or overwhelmed, and brought a calm, supportive presence to every step of the process. She is very intuitive, knowing exactly the right times to talk and also the right time to just be on standby when I needed time to think or process. She genuinely cares about the community and supports local businesses, which made working with her even more meaningful. We moved from halfway across the country and Jaz connected us with all the best people and businesses. Even after closing she’s continued to be there for any extra questions I’ve had. If you’re buying in Saint Augustine, Jaz is 100% who you want by your side.
agent
Jaz Edge

Agent | License ID: SL3404660

+1(904) 761-6201 | jaz@theedgeoffl.com

Let's get you to your next dream home!

Name
Phone*
Message
I agree by electronic signature to the Electronic Disclosure Consent; to receive recurring marketing communication from or on behalf of Real Brokerage LLC, including auto-dialed calls, texts, and artificial/prerecorded voice messages (consent not required to make a purchase; data rates may apply; reply “STOP” to opt-out of texts or ‘HELP” for help); and to the Terms of Service and Privacy Policy of this website. I understand that I can call to obtain direct assistance.