Know your real monthly payment before you talk to a lender.
Home price, taxes, insurance, PMI — all in one number. Drag a slider, watch the payment update instantly, then compare personalized rates from a real lender when you're ready.
Estimate only, not a loan offer. Actual payment depends on your credit profile and lender terms.
Three steps between you and a real rate.
Calculate
Use the calculator above to see what a home actually costs per month — not just the sticker price, but taxes, insurance, and PMI too.
Compare
Once you know your number, compare personalized rates from a real lender. It's free and doesn't commit you to anything.
Lock
Found a rate you like? Lock it in with your lender and move forward on your timeline, not a salesperson's.
The Complete First-Time Home Buyer Checklist
A step-by-step PDF covering mortgage readiness, the documents lenders will ask for, what to check during your home search, and a final move-in checklist — plus a quick "am I ready?" score.
- Mortgage-readiness self-assessment with a scored result
- The exact documents to gather before you apply
- What to check before making an offer
No spam, ever. One email with your PDF — unsubscribe anytime.
Rate guides worth reading before you shop.
Fixed vs. ARM: Which Actually Saves You Money?
The tradeoffs between rate stability and lower introductory payments, explained without the jargon.
Read the guide →How Your Credit Score Actually Changes Your Rate
The real-world rate difference between credit tiers, and what moves the needle fastest.
Read the guide →How Much House Can I Actually Afford?
Why "what you qualify for" and "what you should spend" are two very different numbers.
Read the guide →Common questions about this calculator.
Is this calculator actually free?
Yes. There's no signup required to calculate your payment. We only ask for an email if you want the free PDF checklist, and we earn a referral fee if you choose to compare rates through our lender partner — the calculator itself always stays free.
How accurate is the monthly payment estimate?
It's built on the same amortization formula lenders use for principal and interest, plus estimated property tax, insurance, and PMI. Your actual payment will depend on your specific lender, credit profile, and local tax rate — treat this as a very close estimate, not a binding number.
What is PMI and why does it show up?
Private Mortgage Insurance is typically required when your down payment is below 20% of the home price. It protects the lender, not you, and usually drops off once you've built enough equity. The calculator estimates it automatically when your down payment is under 20%.
Do you sell my information?
No. If you request the free checklist, your email is used only to send that PDF and occasional related tips — see our Privacy Policy for details. We're not a lender and don't sell leads to third parties beyond the partner you explicitly choose to contact.