Run the numbers before you fall for a house. This calculator estimates your full monthly payment across Conventional, FHA, and VA loans — principal and interest, property taxes, homeowners insurance, PMI or MIP, and HOA dues — and shows how your credit score moves the rate.
What goes into your monthly payment
Four things drive most of it: the loan amount, your interest rate, the loan term, and your down payment. Put less than 20% down on a conventional loan and you add PMI; choose FHA and you carry MIP plus a 1.75% upfront premium; go VA and you skip monthly mortgage insurance entirely. The calculator prices each program the way a lender actually does.
Questions buyers ask us
Do I really need 20% down?
No. Conventional loans go as low as 3% down and FHA as low as 3.5%; eligible veterans can put zero down with a VA loan. Less down means a smaller upfront check and, on most programs, mortgage insurance until you build 20% equity.
How much does my credit score matter?
A lot. Moving from the 620–639 range up to 760 and above can cut your rate by more than a full percentage point — often tens of thousands of dollars over the life of the loan. Use the credit-score selector to see your tier.
Are these numbers a quote?
They are estimates to help you plan, not a loan offer. For a real rate on a specific home, talk with our team and we will connect you with a trusted lender.
Reach out to Bruno Fine Properties when you are ready to find the home behind the numbers.