What actually moves your monthly payment?

Compare price, property taxes, and down payment in one view

Three things move your monthly payment.

Price, property taxes, and your down payment — nine combinations, side by side.

Most calculators only let you change the interest rate. The rate is the one thing you can't control. This one lets you move the three things that actually differ between the houses you're comparing.

6.500%

Drag to see how every scenario below shifts.

% of price
% of loan
$
Offer price
$
$
$
Annual property taxes
$
$
$
Down payment
%
%

Shown side by side in the table.

Group rows by
Estimated monthly payment — nine scenarios, two down payments Bar color = offer price · chip shade = tax level · select any price to compare every other scenario against it · totals include P&I, taxes, insurance, PMI and HOA
Scenario Shared costs
Price Annual taxes Taxes Ins. HOA P&I PMI Total / mo P&I PMI Total / mo

Estimates only. This tool is provided for general informational and educational purposes. It is not an offer, commitment, or advertisement of credit, and the figures shown are not a quote, pre-qualification, or approval. Actual payments depend on your credit, the loan program, the lender's pricing, the assessed value and millage rate set by the taxing authority, insurance underwriting, and closing costs, and will differ from the results above. Property tax, insurance, and mortgage insurance amounts are user-entered assumptions, not verified figures for any specific property. I am a real estate licensee, not a mortgage lender or loan originator, and nothing here is a loan offer or financial advice. Contact a licensed lender for an actual rate quote and a Loan Estimate.