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Free Mortgage Calculator

House Payment Estimator

Free Florida Mortgage Calculator

Use our free house payment estimator to see exactly what your monthly payment will be — including taxes, insurance, HOA, and PMI. Compare FHA, VA, conventional and jumbo loans in real time. No email required.

No Sign-Up Taxes & Insurance Included FHA · VA · Conventional · Jumbo

Estimate your house payment

$
%
$90,000
%
%/yr
$/yr
$/mo
%/yr
Applies to conventional loans with less than 20% down.

Estimated monthly payment

$0 /mo

  • Principal & interest$0
  • Property tax$0
  • Home insurance$0
  • PMI$0
  • HOA$0
Loan amount$0
Total interest$0
Total loan cost$0
Down payment$0
Get My Real Numbers →

No hard credit pull · Real answer within 2 hours

Galli Team tip: Most lenders like your total house payment to stay around 28% of your gross monthly income. For a payment of $0, that's roughly $0 a year in household income — but we approve buyers outside that guideline every week.

Figures are estimates for educational purposes only and are not a loan offer or commitment to lend. Actual rate, payment, taxes and insurance will vary. FHA mortgage insurance is simplified (1.75% upfront financed, 0.55% annual); VA funding fee not included. Novus Home Mortgage, a division of Ixonia Bank NMLS 423065 | Equal Housing Lender.

Next steps

Now that you know your payment…

An estimate gets you started. Here's how to turn it into a real number and a winning offer.

Get pre-qualified

Get your exact rate and payment based on your credit and income — no hard credit pull to start.

Start now →

Compare loan programs

FHA, VA, conventional, jumbo, bank statement and DSCR — find the loan that fits your situation.

See all programs →

First-time buyer help

Down payment assistance and low-down-payment options can shrink what you need to bring to closing.

Explore assistance →

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Answer a few questions and see which loan programs fit you best.

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For self-employed buyers — estimate qualifying income from your deposits.

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Galli Games

Fun, fast games that teach you how home buying really works.

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Questions

House payment estimator FAQs

Straight answers about how your payment is calculated.

How accurate is this house payment estimator?
It includes principal, interest, Florida property tax, homeowners insurance, HOA and PMI, so it's much closer to your real payment than most calculators. For an exact number based on your credit and the home you're buying, call Chris at (941) 529-1040.
What's included in my monthly mortgage payment?
Most payments include principal and interest, property taxes, homeowners insurance, and mortgage insurance (PMI or FHA MIP) if it applies — often called PITI. If the home has an HOA, that's an additional monthly cost.
When do I have to pay PMI?
On a conventional loan, PMI usually applies when you put down less than 20%, and it can be removed once you reach enough equity. FHA loans have their own mortgage insurance (MIP) regardless of down payment. VA loans have no monthly mortgage insurance.
What interest rate should I use?
Use the default as a starting point, then call us for today's rate. Your actual rate depends on your credit, down payment, loan type and the property — and it can change daily.
How much is property tax in Florida?
This estimator defaults to 1.2% of the price per year, but Florida rates vary by county and city. Remember the seller's tax bill may be lower than yours — taxes reset to your purchase price after closing. Filing for the homestead exemption can lower your bill.
Is homeowners insurance required, and how much should I estimate?
Yes — every lender requires homeowners insurance, and some Florida homes also need flood or wind coverage. Insurance costs vary widely by age of roof, location and coverage, so get a quote early and update the insurance field above.
What if my income is complicated or I'm self-employed?
That's our specialty. We offer bank statement loans, DSCR loans for investors, and other options for buyers who don't fit the standard box. Call (941) 529-1040 and we'll find a path.
Does using this calculator affect my credit?
No. The calculator doesn't ask for any personal information, and there's no credit check. When you're ready for real numbers, we can start with no hard credit pull.

Get your actual numbers

Ready to see your real payment?

Chris Galli and The Galli Team answer the phone live. Tell us your situation and get a clear answer — fast.

Get Pre-Approved → Call (941) 529-1040