Affordability
What Can I Afford?
Use this calculator to get a quick estimate of your monthly payment. Enter your numbers and see how different scenarios affect your budget.
Enter Your Numbers
Adjust any field to see how it changes your payment.
Your Monthly Payment
Estimated Monthly Payment
$3,160
Principal + Interest + Taxes + Insurance
Principal & Interest
$2,528
Property Tax (est.)
$417
Home Insurance (est.)
$125
Down Payment
$100,000
This is an estimate only. For a personalized consultation, contact RoxSandra.
Know Before You Buy
What Goes Into Your Monthly Payment?
Principal & Interest
This is the main part of your payment. Principal pays down what you borrowed. Interest is the cost of borrowing. Together, they make up the bulk of your monthly payment.
Property Taxes
Paid annually to your county, but usually collected monthly into an escrow account so the lump sum doesn't surprise you. Rates vary by location.
Homeowners Insurance
Protects your home and belongings against fire, theft, weather damage, and liability. Your lender requires it, and it's usually bundled into your monthly payment.
PMI (if applicable)
Private Mortgage Insurance kicks in when your down payment is less than 20%. It protects the lender, not you, and can be removed once you have enough equity.
Want a clearer picture?
Numbers on a screen are one thing. A real conversation with someone who has your back is another. Let's talk about your goals and find a path that works for you.
