Not just principal and interest. See taxes, insurance, PMI, HOA, utilities and maintenance rolled into one honest monthly, annual and 10-year number.
Enter the details and watch every ongoing cost recompute.
PMI (0.8%/yr on the loan) is added automatically below 20% down.
We pre-fill your down payment from any earlier tool on this site. No account, no server — your info stays on this device.
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P&I is only part of the story. We fold in property tax, insurance, PMI (if you're under 20% down), HOA, monthly utilities and a maintenance reserve so the number you see is the number you'll live.
A widely used rule of thumb: budget about 1% of the home's value per year for maintenance and repairs. You can crank that up or down based on the home's age and condition.
We roll everything up into a 10-year total cost of ownership, and let you add one-time move-in costs (furniture, moving, immediate repairs) shown separately so you can see them clearly.