Buying
Estimate a payment
Enter the home price and down payment. We’ll show Conventional, FHA, and VA side by side using average advertised rates plus estimated taxes, insurance, and HOA. Your actual rate depends on credit, the property, and the lender.
Your home
Let’s estimate
Leave blank to use each loan’s minimum — Conventional 5%, FHA 3.5%, VA 0%. If you enter less than a program allows, we use the minimum.
Conventional can go as low as 3% for first-time buyers, or when income is under area limits.
FHA and VA stay 30-year.
Conv 6.87% · FHA 6.40% · VA 6.42%
Average advertised rates — a starting point, not a quote or lock.
Taxes and insurance are estimates — use the listing if you have it.
0 if none
Conventional
$3,359/mo
Estimated monthly payment at 6.87% (average advertised rate)
- Principal & interest
- $2,807
- Taxes
- $233
- Insurance
- $131
- PMI (0.53%)
- $189
- HOA
- $0
- Loan amount
- $427,500
- Cash to close (est.)
- $33,750
- Down payment
- $22,500 · 5.0%
- None
- $0
Same home, side by side
Compare loan types
Leave down payment blank and each loan uses its typical minimum: Conventional 5% (3% for first-time buyers or when income is under area limits), FHA 3.5%, VA 0%, jumbo 5% with no PMI. Jumbo shows when the loan is over the conforming limit. Tap a card for the full breakdown. FHA and VA upfront fees are rolled into the loan. Cash to close includes a 2.5% closing-cost estimate — actual fees depend on the loan and title.