Set the slider limits to match your search.
Optional help toward your down payment, such as a gift or assistance funds. Top up fills the gap to a target total down payment.
Illustrative rate. Enter your lender's quote.
Property tax: 0.90% of home value per year, the 2025 U.S. effective rate from ATTOM.
Insurance: about $239/month ($2,872/year), the 2026 Insurance.com national average for $300,000 in dwelling coverage. Coverage is based on rebuilding cost, not purchase price.
PMI: an illustrative 0.50% of the loan per year, charged here only below 20% down. A reliable single national average isn't available; Fannie Mae cites a typical 0.2–2% range. Enter your quote. This calculator models a conventional loan, not FHA mortgage insurance.
Benchmarks checked October 26, 2026. All amounts are USD unless marked CAD. Estimates include principal, interest, tax, insurance, and applicable PMI; HOA dues, maintenance, utilities, and closing costs are excluded.