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Buy Hub · Mortgage Calculator

Mortgage Calculator

Welcome. Run the numbers for your next move with two fast calculators: estimate a monthly payment for a specific home, or work backward from your income to what you can afford. Because many Florida communities charge HOA fees, both tools include them, so the estimate reflects the real cost of South Florida homeownership. This mirrors the full calculator on the main mortgage calculator page.

Results are estimates for planning only and are not a loan commitment or an offer of credit.

Estimate your payment

Mortgage Payment Calculator

$500,000
$100,000$5,000,000
$100,000
$0$1,000,000
6.5%
2%10%
$150
$0$2,000
Loan Term

Years

1.1%
0.5%3%
$2,500
$500$10,000

Estimated Monthly Payment

$3,345

per month

Principal & Interest

$2,529

Property Tax

$458

Insurance

$208

HOA Fee

$150

Monthly Payment Breakdown

  • Principal & Interest $2,529
  • Property Tax $458
  • Insurance $208
  • HOA Fee $150
Get Pre-Approved Today

Work backward from your income

What Can I Afford?

$150,000
$40,000$2,000,000
$500
$0$10,000
$100,000
$0$1,000,000
6.5%
2%10%
1.1%
0.5%3%
$2,500
$500$10,000

Maximum Home Price

$542,000

based on your inputs según sus datos

Est. Monthly Payment

$3,499

DTI Ratio

32.0%

Affordability Gauge

28%

Share of gross monthly income your estimated payment uses Parte del ingreso bruto mensual que usa su pago estimado

0% 25% 50%

Uses conventional 28% front-end and 36% back-end debt limits on a 30-year fixed-rate loan, before HOA fees.

Schedule a Consultation

Numbers change as the market does. Nanci can walk you through real rates, taxes, and HOA costs for the specific community you are looking at, in English or Spanish, with no pressure.