MORTGAGE CALCULATOR

Use our home loan calculator to estimate your total mortgage payment, including taxes and insurance. Simply enter the price of the home, your down payment, and details about the home loan, to calculate your mortgage payment, schedule, and more.
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Your mortgage payments over 30 years will add up to $0.
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Mortgage Help

Down Payment

The typical rule of thumb is to pay 20 percent of the home's price as your down payment, although some mortgage loans require as little as 3.5 percent down. Your down payment reduces the total amount of your mortgage loan, so the more money you put down, the lower your payments will be - or the more expensive a house you can buy.

Loan Term

Your loan program can affect your interest rate and monthly payments. Choose from 30-year fixed, 15-year fixed, and more in the calculator.

Loan Type

There are several types of mortgage loans, but the most commonly used are fixed-rate and adjustable-rate loans. Fixed-rate loans have the same interest rate for the entire duration of the loan. That means your monthly payment will be the same, even for long-term loans, such as 30-year fixed-rate mortgages. Two benefits to this loan type are stability, and being able to calculate your total interest up front. Adjustable-rate mortgages (ARMs) have interest rates that can change over time. Typically they start out at a lower interest rate than a fixed-rate loan, and hold that rate for a set number of years, before changing interest rates from year to year. For example, if you have a 5/1 ARM, you will have the same interest rate for the first 5 years, and then your interest rate will change from year to year. The main benefit of an adjustable-rate loan is starting off with a lower interest rate.

Interest Rate

This field is pre-filled with the current average mortgage rate. Your actual rate will vary based on factors like credit score and down payment.

Property Tax Rate

The mortgage payment calculator includes estimated property taxes based on the home's value. You can edit this in the advanced options.

Home Insurance

Home insurance or homeowners insurance is typically required by lenders, depending on the loan program. You can edit this number in the mortgage calculator advanced options.

HOA Fees

A homeowners association fee (HOA fee) is an amount of money that must be paid monthly by owners of certain types of residential properties, and HOAs collect these fees to assist with maintaining and improving properties in the association.

Hear from our clients...

debgentry7

Yvette is not only professional and knowledgeable of all aspects of real estate transactions, but she is also very committed to helping her clients find the perfect home and location! We connected with Yvette through an Open House and at the time were not ready to sell our home and relocate, but we knew at some point we would. Yvette assisted us in looking at homes in various areas and was a total pleasure to work with! I highly recommend Yvette..... you will 100% be glad you did! In addition to her professional strengths, she is such a nice person and her level of integrity gives you the assurance you need when making such a large purchase and commitment.

dombrowski kate

Yvette was simply the best. We moved to Charlotte from Philadelphia and needed someone with local expertise to guide us and give us advice on the area and type of property that would suit us. Not only did Yvette arrange her schedule to take us around town while we were visiting, she helped us find our dream home after only a few days of searching! Her follow up with the sellers agent was excellent and she advocated for us at every turn. We felt at ease making such a large purchase at a distance because we had Yvette protecting our interests down here. Couldn’t recommend her enough!

restrepom16

Working with Yvette was fantastic. My wife and I both felt lucky to have Yvette working with us. She is extremely knowledgeable when it comes to homes and remodeling. We felt we could really lean on Yvette whenever we did not understand something within the ongoing process, or anything related to the home buying experience. We would highly recommend Yvette if you are looking for a real estate agent.

Let's connect!

Yvette Koncz

Agent | License ID: NC 280354 SC 88034

+1(704) 560-4494 | yvette@bluecouchcollective.com

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By registering you agree to our Terms of Service & Privacy Policy. Consent is not a condition of buying a property, goods, or services.