Calculator · numbers first
What the payment actually is.
Principal and interest, plus the two costs most calculators quietly leave out — property taxes and insurance. Nothing is asked of you until there is a number on the screen.
Estimated monthly payment
$3,180
- Principal & interest
- $2,251
- Property taxes
- $779
- Homeowners insurance
- $200
- Loan amount
- $356,000
- Down payment
- $89,000
- Total interest over term
- $454,314
Excludes mortgage insurance and HOA dues. Estimates only — not a quote, an offer of credit, or a determination of eligibility.
About the starting rate. The rate control arrives pre-filled so the tool has something to calculate with. That number is a placeholder — not a quote, not a rate we have offered you, and not an offer of credit. Replace it with the rate you have actually been quoted.
For reference, the 30-year fixed average in the Freddie Mac Primary Mortgage Market Survey, retrieved from FRED (Federal Reserve Bank of St. Louis) (series MORTGAGE30US) was 6.58% for the week ending July 23, 2026, retrieved July 29, 2026. That is a national average across lenders, so no individual borrower was offered it, and it is a note rate rather than an APR — the survey does not publish APRs, and your APR will be higher than any note rate once costs are included. Your own rate depends on your credit profile, loan amount, loan-to-value, occupancy, property type, lock period and program. See the 52-week context.
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Here’s your estimated payment — want Jeff to check if it’s actually the right structure?
A calculator can tell you what a payment costs. It cannot tell you whether the term, the down payment, or the loan type is the right one for how long you plan to hold it. That part is a conversation, and it is usually a short one.
Jeff Shin · NMLS #1041652 · Barrett Financial Group, L.L.C. NMLS #181106