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Conventional Loan Calculator

Compare principal, interest, taxes, insurance, and PMI when under 20% down.

Classic 30-year and 15-year fixed options with private mortgage insurance.

5%+ downPMI until 80% LTVCash-to-close estimate

Calculator Inputs

Adjust the scenario to fit your deal.

$
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years
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Results

Estimated monthly payment

$3,181

PITI + PMI when applicable

Cash to close (est.)

$55,250

Down payment + 3% closing costs

Loan amount

$382,500

Monthly breakdown

Principal & Interest
$2,481
PMI (drops at 80% LTV)
$223.12
0.70% annual
Property taxes
$371.88
1.05% of price
Homeowner's insurance
$105

Upfront costs

Down payment
$42,500
Estimated closing costs (3%)
$12,750
Seller-paid buyer closing costs
$0
0.00% of price

PMI estimates vary by credit, LTV, and occupancy; this uses a flat annual rate.

⚠️ Important Disclaimer

This is a self-generated calculator result and provides estimates only. Results may vary based on individual circumstances, market conditions, and lender requirements. For accurate financial advice and loan qualification, please consult with a licensed real estate agent or mortgage professional.

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