Monthly Payment Estimator

See every dollar you'll owe each month — mortgage, taxes, insurance, HOA, and utilities.

Your Mortgage

$
%
$45,000 down
%
Monthly Principal + Interest$2,694/mo

+ $270/mo PMI (drops when you reach 20% equity)

Ownership Costs

Annual amounts — shown as monthly in the summary

$492/mo

$

$375/mo

$

$117/mo

HOA

Homeowners Association — set to $0 if N/A

None

Monthly HOA FeeNone

Typical range: $50–$500/mo for condos and planned communities

Utilities

Monthly estimates — adjust for your area and home size

$340/mo

Electricity$120/mo

Typical: $80–$200/mo

Gas / Heating$80/mo

Typical: $40–$150/mo (or $0 for all-electric homes)

Water & Sewer$50/mo

Typical: $30–$100/mo

Garbage / Trash$30/mo

Typical: $20–$50/mo

Internet$60/mo

Typical: $40–$100/mo

Est. Monthly Total

$3,796/mo

$45,554/year

Mortgage P+I$2,694/mo
PMI$270/mo
Property Taxes$375/mo
Insurance$117/mo
Utilities$340/mo

Estimate only. Utility costs vary by region, home size, and season. Property taxes vary by jurisdiction.