What can you afford?
A real monthly payment — principal, interest, tax, insurance, mortgage insurance and HOA — with no credit pull and no phone tag.
Every cost, not just the loan.
Most calculators show you principal and interest and stop there. This one adds property tax, homeowners insurance, mortgage insurance and HOA dues, so the number you see is the number you would actually pay.
- Conventional PMI priced by credit and loan-to-value
- FHA up-front and annual premiums handled separately
- VA funding fee, with the exemption if it applies
- Type an exact figure or drag the slider
Type an exact figure or drag the slider — both edit the same number. Tax, insurance, HOA and mortgage insurance are all included in the total.
None — you are putting 20% or more down, so no PMI applies.
This program normally needs 3% down at a minimum
Credit drives the PMI rate as well as the programs you qualify for.
Estimate only. Mortgage insurance, tax and insurance figures are industry assumptions, not quotes — your actual costs depend on the property, county, credit and lender. Not a commitment to lend. Nexus Lending Group, LLC, NMLS 2723165.
What the estimate is — and isn't
No. This is an educational estimate based only on what you typed in. A pre-approval requires a full application, verified income and assets, and a credit check with a licensed loan officer.