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Purchase Details
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$
12.0% • $51,000.00
0%20%40%
6.25%
2%6%10%
Taxes & Insurance
Include local property taxes, homeowners insurance, and HOA dues for a complete payment picture.
1.80%
0.5%2.0%3.5%
≈ $7,650.00 yearly
$
≈ $137.50 per month
$
What the numbers are saying
- Your down payment of $51,000.00 (12.0%) leaves a loan amount of $374,000.00.
- Because you’re below 20% down, plan for PMI of about $155.83 per month until your loan-to-value drops under 80%.
- If rates moved up 0.50%, principal & interest would be $2,425.76 (+$122.97 per month).
Estimated Monthly Payment
$3,308.62
Principal, interest, taxes, insurance, PMI, HOA
Monthly Breakdown
Principal & Interest$2,302.78
Property Tax$637.50
Home Insurance$137.50
PMI (estimated)$155.83
HOA Dues$75.00
Total Interest
$455,001.64
30-year term
Loan-to-Value
88%
After down payment
Property Tax (yr)
$7,650.00
1.8% of price
Cash to Close
$54,500.00
Down payment + est. $3.5K fees
Rate Sensitivity
Every half-point increase in rate changes your principal & interest payment by roughly $122.97. Staying ahead of the market helps protect your buying power.
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