US mortgage calculator
See the payment, cash to close, and ongoing ownership costs together—then test how the same home feels at a higher rate.
$4,053
/ monthPlanning estimate ready
Loan programs and underwriting vary. Use this to compare homes and request a lender estimate before making an offer.
$27,000
$13,500 estimated closing costs
$373,500
Loan-to-value 83.0%
$4,569
8.75% rate
$13,500
3% assumption
This is a planning estimate, not a loan approval or personal financial advice.
Compare homes in HomiStart with the home
Enter the price and available cash. Homi applies cash to closing costs first, then the purchase price.
Your financing
Use the effective rate and the cash you expect to have available at closing.
Ongoing monthly costs
$4,053
/ monthPlanning estimate ready
Loan programs and underwriting vary. Use this to compare homes and request a lender estimate before making an offer.
$27,000
$13,500 estimated closing costs
$373,500
Loan-to-value 83.0%
$4,569
8.75% rate
$13,500
3% assumption
This is a planning estimate, not a loan approval or personal financial advice.
Compare homes in HomiA cost check for the home you are actually considering
Cash to close, not just down payment
Closing costs are separated from the cash that actually reduces the loan.
A fuller monthly estimate
Taxes, insurance, HOA dues, maintenance, fixed costs, and PMI sit beside the loan.
Rate sensitivity built in
Compare the payment at your entered rate with a deliberately higher-rate scenario.
How Homi calculates the estimate
The estimate applies your available cash to closing costs first and the purchase price second. It then combines principal and interest with taxes, insurance, HOA dues, maintenance, other fixed costs, and PMI when the estimated loan-to-value is above 80%. Lending programs and local costs vary, so this is a planning estimate rather than an approval decision.
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NorgeMortgage calculator questions
What does the monthly estimate include?+
It includes principal and interest, property taxes, homeowners insurance, HOA dues, maintenance, other fixed costs, and estimated PMI when the loan-to-value is above 80%.
Why is cash to close higher than the down payment?+
Cash to close can include lender fees, title and settlement costs, prepaid taxes and insurance, and other local charges in addition to the down payment. This calculator uses the closing-cost percentage you enter.
Does this show how much a lender will approve?+
No. US underwriting depends on the loan program, credit, debt-to-income ratio, reserves, property, state, and lender. Homi shows a planning estimate and rate sensitivity, not an approval.
When does PMI apply?+
Many conventional loans require private mortgage insurance when the loan-to-value is above 80%, though rules and pricing vary. You can adjust the PMI assumption in advanced costs.