Real Estate Calculators
Free tools for buying a home — starting with the monthly mortgage payment: principal and interest, property tax, homeowners insurance, PMI and HOA, with the math shown so you can trust the result and understand exactly how it was computed.
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Frequently asked questions
Principal, Interest, Taxes, and Insurance — the four parts of the standard monthly mortgage payment. On the worked example, a $400,000 home with $80,000 down at 6.5% over 30 years costs $2,022.62 in principal & interest, $400 in property tax, and $150 in insurance, for $2,572.62 a month. PMI and HOA dues sit on top when they apply.
You can ask the lender to remove it once the loan balance reaches 80% of the home value, and it must end automatically at 78% under the Homeowners Protection Act. On a $400,000 home with 10% down, that is month 95 on request and month 109 automatically — $27,795 of PMI in total if you wait for the automatic cut-off.
Estimates for planning, not offers. Rates, property tax, and insurance are entered by you, closing costs (2–5% of the price, per Freddie Mac) are paid at closing and are not in the monthly figure, and your lender's numbers will differ. Nothing here is financial advice.
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