Payment Calculator

Know your true monthly payment.

This calculator goes beyond the mortgage payment to include property taxes, insurance, HOA fees, and PMI. Adjust your down payment to see how it changes the numbers.

Property & Loan Details

Home Price

Down Payment: 10.00% ($45,000)

0%50%

Interest Rate (%)

Loan Term (years)

Additional Costs

Property Tax Rate (%)

Typical: 2.05% (Bexar County)

Home Insurance (yearly)

Estimate for San Antonio

HOA Fees (monthly)

PMI Rate (% yearly)

When down payment < 20%

Your Monthly Payment

$3,647

Principal & Interest$2,560

Property Tax$769

Home Insurance$150

PMI$169

Loan Amount$405,000

Down Payment$45,000 (10.00%)

PMI applies when down payment is less than 20%

Increase your down payment to 20.00% to eliminate PMI and reduce your monthly payment.

About This Calculator

Default assumptions: Property tax rate 2.05% (typical for Bexar County), homeowners insurance $1,800/year (estimate for San Antonio area), and PMI 0.5% annually when down payment is less than 20%.

These are editable estimates. Your actual property tax depends on the assessed value and local rate. Insurance varies by coverage, property age, and carrier. PMI rate depends on credit score and loan type.

Disclaimer: All results are estimates and not financial advice. Consult with a lender for an accurate pre-approval and payment breakdown.