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Payment calculator

Make room for your next move. Start with a home price, adjust your numbers and explore your estimated monthly costs and cash to close.

The home

Only what the builder puts in writing. It pays closing costs, not your down payment.

The loan
Loan type

3.5% down minimum. FHA mortgage insurance is part of the payment.

Example rate. Your lender sets your real rate.

National average, 30-year fixed: 7.32% on Oct 22, 2026, from Freddie Mac. An average, not a quote.

Your estimate

Monthly payment$2,937

FHA, 4.5% rate, 30 years, $15,750 down.

Principal and interest
$2,239
FHA mortgage insurance
$199
Property tax
$244
Home insurance
$130
HOA
$125

Your $441,839 loan includes the 1.75% upfront FHA fee.

Cash to close$29,250
Down payment
$15,750
Closing costs, estimate
$11,250
Prepaids and reserves, estimate
$2,250

Earnest money and design deposits are paid earlier and usually credited at closing.

Estimates, not a loan offer. Rates here are not APRs. Your lender's Loan Estimate has your real numbers. How to read one

Monthly costs

Estimate. Ask the builder what homes here pay.

Some communities add a district tax (CFD). It's in the builder's public report.

Estimate. Get a quote.

Each community sets its own.

Got a rate from the builder's lender?

We'll connect you with an agent who specializes in new construction to help you compare it before you sign.

Talk to an agent