See the Monthly Picture
Combine principal and interest with taxes, insurance, PMI, and HOA costs for a more complete housing-payment estimate.
Homebuying Planning Calculator
Estimate Your Monthly Payment and Cash Needed
Explore how purchase price, down payment, interest rate, taxes, insurance, and other housing costs may affect your estimated monthly payment and upfront cash needs.
Use the calculator to explore a scenario, then talk with your lender and EYGS team about the numbers that apply to your actual purchase.
Payment & Cash Calculator
Build a home purchase scenario in a few steps.
Start with the price, down payment, example interest rate, and loan term. Your estimates update as the assumptions change. Open the optional controls when you want to customize taxes, insurance, PMI, HOA, or closing costs.
Enter Your Purchase Scenario
Use numbers for the home you are considering. These are planning assumptions, not lender terms.
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Enter a purchase price from $10,000 to $10,000,000.
Enter a purchase price from $10,000 to $10,000,000.
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Editable example only. This is not a current or guaranteed rate.
Enter an interest-rate assumption from 0% to 25%.
Select one of the available loan terms.
Assumptions currently used
Rate 6.5% scenarioTaxes $6,800/yearInsurance $1,800/yearPMI not includedHOA $0/monthClosing costs 3%
These example assumptions are already included in the estimate. Open the controls below to change them.
Customize My Assumptions
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Enter annual property taxes of $0 or more.
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Enter annual homeowners insurance of $0 or more.
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PMI is not included unless you enter an amount. Ask your lender whether PMI applies to your financing scenario.
Enter a PMI amount of $0 or more.
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Enter an HOA amount of $0 or more.
%
Enter a closing-cost assumption from 0% to 15%.
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Enter other transaction costs of $0 or more.
Property taxes, insurance, PMI, HOA, closing costs, and other transaction expenses vary by property, loan, provider, and transaction. Edit these assumptions to explore a scenario that is more useful to you.
What this calculator helps you understand
Plan for Upfront Cash
Connect your down payment and estimated closing costs to the cash side of the purchase.
Explore the Numbers. Confirm With a Lender.
Compare purchase scenarios and see how assumptions affect payment and cash needs. A qualified lending professional determines qualification, available financing options, rates, and final loan terms.
Financial Snapshot
See the Full Financial Picture
Review the four headline figures together, then check the assumptions driving the estimate and the cash components included in this scenario.
Purchase Price
$0
Estimated Loan Amount
$0
Monthly Housing Payment
$0
Estimated Cash Needed
$0
Assumptions Used
Interest rate6.5% scenario
Loan term30 years
Property taxes$6,800/year
Homeowners insurance$1,800/year
PMINot included
HOA$0/month
Closing costs3%
Purchase & Cash Breakdown
Purchase price$0
Down payment$0
Estimated closing costs$0
Other entered transaction costs$0
Total estimated cash needed$0
Estimates are provided for general homebuying planning purposes only and are not a loan estimate, financing offer, approval, or guarantee. Actual rates, payments, taxes, insurance, closing costs, and loan terms vary. Consult a qualified lending professional for financing information specific to your situation.
What These Estimates Mean
Use the numbers to ask better questions.
The calculator is most useful when it helps you see which assumptions materially change the payment and cash picture, then gives you a clearer starting point for conversations with your lender and real estate team.
Monthly housing is more than principal and interest.
Taxes, insurance, PMI, and HOA costs can materially change the total monthly amount associated with a property.
Cash needs vary by transaction.
Down payment and closing costs are major components, but credits, assistance, inspections, deposits, and other costs depend on the specific purchase.
Your lender provides the financing-specific answer.
Use this scenario for planning, then confirm rates, payment details, loan terms, and qualification requirements with a qualified lending professional.
Turn the Estimate Into a Plan
Know the numbers. Then decide what comes next.
Choose the next step that fits your plan: continue your home search, explore the Buying Experience, or use this scenario to prepare for a conversation with a qualified lending professional.