PLAN THE FINANCING

Mortgage Payment
Calculator

Build a purchase scenario, compare down-payment strategies, review affordability, and print a clean summary of your results.

MORTGAGE PAYMENT CALCULATOR

Build Your Plan

01

HOME & FINANCING

Purchase & Financing Assumptions

$800,000
$100K$2M
$160,000 20%
$0$500K
Quick Select
%

Enter a rate to use for planning. Presets are illustrative assumptions, not available or quoted rates.

%
$ /yr
$ /mo
% /yr

PLANNING RESOURCE

$

OFFICIAL RESOURCE

Confirm whether the planned loan is conforming or jumbo.

Conforming limits vary by county, property type, unit count, and year. Use FHFA’s official map when the estimated loan amount is near the applicable limit.

Open Official FHFA Loan Limits →
02

AFFORDABILITY

Income & Monthly Debt

$
$

ESTIMATED PAYMENT

Principal, interest, taxes, insurance, mortgage insurance, and HOA.

$4,594

Estimated principal, interest, taxes, insurance, mortgage insurance, and HOA dues.

Principal & Interest$3,287
Property Taxes$1,138
Homeowners Insurance$250
Mortgage Insurance$0
HOA Dues$0
Loan Amount $520,000
Down Payment $160,000
Housing Ratio i 30.6%
Total Debt Ratio i 40.6%
✓

GOLDEN OAK MORTGAGE ADVISOR INSIGHT

This payment appears within a generally workable range.

Worth Reviewing

Your estimated total debt-to-income ratio is below the planner’s 45% reference point. Actual qualification depends on the complete loan file and program guidelines.

EDUCATIONAL RESOURCE

≡

OFFICIAL RESOURCE

CFPB Loan Estimate Guide

Use the Consumer Financial Protection Bureau’s educational resource when comparing the payment, closing costs, lender credits, and other terms shown on a Loan Estimate.

Open Official CFPB Loan Estimate Guide →

HOW THE FINANCING COMES TOGETHER

Financing Summary

Home Price $0
Down Payment $0
Loan Amount $0
Estimated Payment Principal, interest, taxes, insurance, mortgage insurance, and HOA
$0/mo

COMPARE DOWN PAYMENT OPTIONS

See How Your Down Payment Changes the Numbers

Compare estimated cash required, loan amount, monthly payment, and mortgage insurance using the same home price and interest-rate assumptions.

5% DOWN

$0/mo

Estimated Down Payment$0
Estimated Loan Amount$0
Estimated PMI Range$0–$0/mo

★ Based on an estimated annual PMI range of 0.30%–0.50%.

10% DOWN

$0/mo

Estimated Down Payment$0
Estimated Loan Amount$0
Estimated PMI Range$0–$0/mo

★ Based on an estimated annual PMI range of 0.20%–0.35%.

No PMI Modeled

20% DOWN

$0/mo

Estimated Down Payment$0
Estimated Loan Amount$0
Estimated PMI$0/mo

No monthly PMI is modeled at 20% down.

★ Conventional loans with less than 20% down commonly require private mortgage insurance. Actual mortgage insurance availability, cost, and cancellation requirements vary by loan program, credit profile, occupancy, property type, and other underwriting factors.

CONTINUE YOUR PURCHASE PLAN

Continue Planning

Use the tools most closely connected to the scenario you just modeled.

%
Debt-to-Income CalculatorSee how lenders evaluate your complete monthly obligations.
→ $
Closing Cost CalculatorEstimate the cash that may be needed to close before making an offer.
→ ⇄
FHA vs Conventional ComparisonCompare two of the most common financing options side by side.
→

YOUR PLAN DESERVES A PERSONAL REVIEW

Review Your Mortgage Plan With Golden Oak

These results are educational estimates. A Golden Oak review can account for your credit profile, property, income, assets, goals, available programs, and transaction-specific pricing.

Review Plan >

This calculator provides estimates for educational purposes only and does not constitute a loan offer, approval, rate quote, or commitment to lend. The planning rate is user-selected and is not an available or quoted rate. Actual payments, rates, taxes, insurance, mortgage insurance, closing costs, eligibility, and qualification requirements may vary. Down-payment comparisons are simplified conventional-loan illustrations and may not include all fees, pricing adjustments, or closing costs.