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Mortgage Calculator

Your true monthly cost in South Florida.

Florida property tax, hurricane insurance, HOA and PMI โ€” included. Not just principal and interest.

Loan details

Home price$650,000
$150K$5M
Down payment$130,000 20%
3%50%
Interest rate6.75%
3%10%
Loan term30 yrs
10y30y
HOA / month$450
$0$2,500

Property

Total monthly payment
$4,820
Loan: $520,000 ยท Down: $130,000
Principal & interest$3,373
Property tax$650
Insurance$250
HOA$450
Over 30 yrs you'll pay
$1.21M
Total interest
$694K
What if

Compare alternative scenarios.

Same home, same down payment โ€” different term or rate. See what changes.

15-year term
Pay off in half the time
โ€”
Monthly payment
vs currentโ€”
Total interestโ€”
Rate โˆ’1%
If you wait for rates to drop
โ€”
Monthly payment
Monthly savedโ€”
30-year savedโ€”
More down
+10% down payment
โ€”
Monthly payment
Monthly savedโ€”
Extra cash neededโ€”
Amortization

Equity builds over time.

Year-by-year
Loan balance Your equity
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All free. Florida-specific math, instant results.