The calculator
What's my payment?
Slide the numbers around. Every input is explained, every result is an estimate, and nothing you type here is stored anywhere — this page has no form, no tracker, and no memory.
Estimated monthly payment
$0/mo
- Principal & interest $0
- Property taxes $0
- Insurance $0
- Mortgage insurance (PMI) $0
- HOA $0
- Loan amount
- $0
- Down payment (cash)
- $0
- Interest over the life of the loan
- $0
Because the down payment is under 20%, this estimate includes mortgage insurance at a sample 0.5% per year. PMI on a conventional loan can be removed once you reach 20% equity.
💬 Text Tanner these numbersApply onlineCalculator results are estimates for illustrative and educational purposes only, are not a quote, rate lock, pre-qualification or pre-approval, and accuracy is not guaranteed. Actual rates, payments, taxes, insurance and mortgage insurance vary by scenario. Contact Tanner for figures specific to your situation.
What the numbers mean
PITI, PMI, escrow — here's the 60-second version
Principal & interest is the loan itself. Taxes and insurance are usually collected monthly into an escrow account so they're paid on time. PMI only shows up when you put down less than 20% on a conventional loan — and it goes away as you build equity. HOA dues, if any, go straight to the association.
The biggest lever most buyers miss? Not the rate — the program. FHA, conventional, VA and USDA can produce very different payments on the same house. That's the conversation Tanner has with you in about fifteen minutes.
Want the real number for a real house?
Sample rates are fine for daydreaming. For an actual home, Tanner runs your scenario with today's pricing, real taxes and every program you qualify for — usually the same day you ask.