Payment & ownership costs
Try a purchase price, down payment and interest rate, then add taxes, insurance and HOA dues. You’ll see which costs are included and which still need an estimate.
Eric Hyatt · Mortgage Loan Originator
NMLS #2026244 · F5 Mortgage LLC · NMLS #1938115
(303) 349-6677
Loading calculator controls…
Start with your own assumptions. Enter an illustrative interest rate to see a calculation. This tool does not show F5 rates, assess eligibility, or save your entries.
Your payment, in context
Enter an illustrative rate and valid purchase details to calculate principal and interest. Add the property costs to see a more complete monthly estimate.
Assumes a fully amortizing fixed-rate loan with monthly payments. Displayed amounts are rounded to the nearest dollar; calculations use unrounded values. Purchase price is not the loan amount. Down payment is subtracted from price; financed fees are not added. Closing costs, discount points, prepaid items, upfront mortgage insurance or funding fees, reserves, utilities, maintenance, special assessments, and costs not entered are excluded. This is not a Loan Estimate, APR, offer, approval, rate lock, or commitment to lend. It does not predict changing taxes, insurance, or mortgage insurance cancellation. Confirm the complete costs and current terms with a licensed mortgage professional.
Get taxes from current property records and insurance from a property-specific quote. Reassessment, district charges, coverage and deductibles can change the result. An HOA may cover some insurance costs but does not replace a coverage review.
Monthly mortgage insurance depends on the program and borrower. Enter a lender-provided estimate. Upfront premiums and funding fees are not modeled automatically. Leaving costs blank produces a partial estimate.
This tool does not estimate cash to close, qualification, affordability limits or a buydown. Closing costs, prepaid items, credits and financed fees require their own review. It does not collect your inputs as a loan inquiry.
Start with a conversation
Send me your questions. We can talk about your plans and what we’d need to review to compare actual loan options.
Use email for general questions. Please do not email Social Security numbers, financial documents or other sensitive information. Ask Eric for the appropriate secure F5 workflow.
Eric Hyatt, Mortgage Loan Originator · NMLS #2026244
F5 Mortgage LLC · NMLS #1938115 · Business phone: (303) 349-6677
Mortgage services through F5 Mortgage LLC. Real estate services brokered through HomeSmart, Colorado real estate license FA.100066211. Work with Eric for real estate, financing, or both. Your choice of lender and real estate broker is always yours.
Regulated by the Colorado Department of Regulatory Agencies. Equal Housing Opportunity. Information and calculator results are educational, are subject to change, and are not a rate quote, rate lock, approval or commitment to lend. Availability depends on current lender and program requirements, borrower eligibility, property and underwriting review.