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See the cost beyond
the price tag.

Estimate your monthly costs and the cash you need upfront.

Your numbers

Edit the sample figures below. Your changes clear when you leave.

Home and loan

Include the lot premium and financed upgrades.

Use the note interest rate, not APR. The sample is not a current rate quote.

Costs beyond the loan

Ask for the tax estimate on the completed home.

Use zero if paid upfront or already included in your mortgage.

Include loan fees, settlement costs, prepaids and initial escrow. Exclude the down payment.

Your budget estimate

Illustrative sample · USD

$3,278/ month

Planning estimate only, not loan approval or a lender quote. Mortgage insurance and other exclusions below still apply. About these estimates.

Principal & interest
$2,528.27
Property tax
$500.00
Homeowners insurance
$150.00
HOA dues
$100.00
Separate solar payment
$0.00

Upfront cash estimate

$115,000

Before deposits, credits and other adjustments.

Down payment
$100,000.00
Closing costs
$15,000.00
Starting loan amount$400,000

What the estimate includes.

Know what is included

This models a fixed-rate, fully amortizing loan with monthly payments. Annual property tax is divided by 12 for budgeting, even if paid separately. Use the loan’s interest rate; APR also reflects certain borrowing costs.

CFPB: interest rate and APR ↗

Leave room for the rest

Mortgage insurance (PMI/MIP), special assessments, flood or other extra insurance, utilities, repairs and maintenance are excluded. Taxes and insurance can change. Solar payments may also change under your agreement.

CFPB: plan your housing budget ↗

Replace guesses with quotes

Compare your inputs with the Loan Estimate. Actual cash to close also reflects deposits, credits, financed costs and other adjustments.

CFPB: understand your Loan Estimate ↗

Take the costs you want to verify to your next builder meeting.

Prepare your questions

Love the home.
Understand the commitment.

Get started