Free buyer tool

Know Your Numbers Before You Shop

Estimate how much home may fit your budget or see what a home's monthly payment could look like.

Start with a comfortable monthly budget

Enter the most you want the complete housing payment to be each month.

Comfortable monthly housing budget

Down payment

Interest rate

Use a lender quote if you have one.

Loan term

Estimated property taxes per year

Estimated insurance per year

Mortgage insurance per month

Enter 0 if it does not apply or is unknown.

Include homesite and utility costs in the estimated loan paymentAdds $15,000–$20,000 to the financed amount for the dirt pad, electric, water hookup, and septic. If unchecked, the planner still reserves those costs from the home budget because they must be paid separately.

Known exact homesite and utility cost (optional)

Enter one total amount if you already have firm estimates for the dirt pad, electric, water hookup, and septic.

Land, community, and other monthly costs

Lot or community rent

HOA or community fees

Other required monthly housing costs

This is an educational estimate, not a loan approval or quote.The planner reserves $15,000–$20,000 for an average dirt pad, electrical service, water hookup, and septic system unless an exact cost is entered. It estimates 21st Mortgage's origination charge at 5% of the loan amount, capped at $4,000, based on the behavior and disclosures in its official payment estimator. Other title, appraisal, recording, closing, and third-party fees may apply and are not included. Confirm every cost with the lender, dealer, insurer, and contractors involved.