Home / Buying / Mortgage calculator

What would the payment really be?

The price is only part of it. In Las Vegas the monthly number also carries property tax, insurance, HOA dues and sometimes a SID. Put in your own figures and see the whole payment.

The home and the loan

Home price$ Down payment% Interest rate%Use the rate your lender quotes you. Loan term

The monthly extras

Property tax, per year% of priceAn estimate. The real bill is on the listing; use that. Homeowners insurance, per year$ HOA dues, per month$Many valley communities have a master and a sub-association. SID or LID, per month$A bond some newer neighborhoods carry. Ask me if a home has one. Mortgage insurance, per year% of loanOnly counted when you put down less than 20%.

Cash to close

Lender and closing costs% of priceAn estimate. Your lender’s Loan Estimate has the real figure. Your agent’s fee, if the seller does not cover it% of priceLeave empty if the seller or builder is paying it.

These are estimates to help you plan, not a loan offer, a quote or a guarantee. Rates, taxes, insurance, fees and who pays what vary by property and are set by your lender, your escrow company and your contract. Megan Stephens is a REALTOR®, not a lender.