Plan your home purchase

Mortgage calculator.

See the monthly picture. Adjust your assumptions, explore program costs, and bring your numbers to a loan officer.

Fixed-rate purchase estimates · Hypothetical starting assumptions

Hypothetical starting estimate

Estimated total monthly housing cost

$3,178.27/ month

Conventional · 30-year fixed

Principal & interest: $2,528.27
PMI: $0.00 · Not applicable
Property taxes: $500.00
Homeowners insurance: $150.00
HOA dues: $0.00 · Intentional zero

Includes the housing costs selected above. HOA dues are generally separate from the mortgage payment.

The amount you’d borrow

Base loan Price minus down payment: $400,000.00
Program fee added to loan: $0.00
Amount financed: $400,000.00

This is an educational estimate, not a rate quote, APR, approval, or complete cash-to-close estimate. Actual costs and eligibility vary.

View & select estimate summary

AMCFG — hypothetical purchase estimate
Program: Conventional; 30-year fixed-rate purchase
Home price: $500,000.00
Down payment: $100,000.00 (20%)
Annual interest rate assumption: 6.5% (not APR; not a market rate or quote)
Property taxes: $6,000.00 / year
Homeowners insurance: $1,800.00 / year
HOA dues: $0.00 / month (intentional zero)
Base loan: $400,000.00; initial LTV: 80%
Upfront program fee: $0.00 (0%)
Fee financed: $0.00; fee paid at closing: $0.00
Amount financed: $400,000.00
PMI: not applicable with at least 20% down in this scenario.
No PMI cancellation forecast; upfront and lender-paid PMI structures are not modeled.

MONTHLY BREAKDOWN
Principal & interest: $2,528.27
PMI: $0.00 · Not applicable
Property taxes: $500.00
Homeowners insurance: $150.00
HOA dues: $0.00 · Intentional zero
Estimated total monthly housing cost: $3,178.27
HOA dues are generally paid separately from your mortgage payment. Annual taxes and insurance are divided by 12.

Educational fixed-rate home-purchase estimate, not an AMCFG rate quote, APR, approval, eligibility decision, or commitment. Assumes appraised value equals price; loan limits, credit, entitlement, and property requirements are not checked. Excludes closing costs other than the displayed program fee, prepaid interest, escrow deposits, points, maintenance, utilities, flood / other supplemental insurance, and special assessments. This is not a complete cash-to-close estimate. Costs and actual lender quotes may differ. Program availability must be confirmed with a loan officer.
Bring this summary to your conversation. It has not been sent to AMCFG or attached to an appointment.

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You can copy this summary for your records. Using the calculator alone does not send it to AMCFG.

Request a review of this calculation

Your calculator details and estimate summary are included when you submit a review request.

AMCFG works with multiple lenders. A loan officer can help you compare options for your situation.

Put your estimate in context

A starting point for your next conversation.

These scenarios assume a standard purchase of a primary residence, with appraised value equal to price. Loan limits, property rules, and your qualifications need a separate review.

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What’s included—and what’s still missing?

The estimate combines principal and interest, applicable monthly mortgage insurance, and the taxes, homeowners insurance, and HOA amounts you include. Unknown or excluded costs are labeled, and the total becomes a partial subtotal.

It excludes maintenance, utilities, flood or other supplemental insurance, special assessments, and other housing expenses. Other than the displayed program fee, it does not calculate closing costs, points, prepaid interest, or escrow deposits. Closing Costs & Cash to Close explains those separate amounts.

Does this show my APR or tell me if I qualify?

No. APR accounts for the interest rate and certain loan charges that this tool does not fully calculate. A lender must review your application, property, and program requirements to determine eligibility and offer terms.

CFPB: interest rate versus APR · Credit Readiness.

Why might a loan quote look different?

Your rate, appraisal, insurance premium, tax assessment, and program details may differ from these assumptions. Financing an eligible FHA or VA upfront fee increases the balance and interest payment; paying it at closing increases the cash needed then.

Slider values move in set increments, so an exact quote may differ. FHA monthly insurance is approximated from the initial base balance here, and conventional PMI is a selected assumption. Neither is a lifetime insurance forecast. Ask a loan officer to compare the complete Loan Estimates for your situation.

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