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Mortgage Calculator

Orlando Mortgage Payment & Closing Cost Calculator

Estimate your potential monthly payment, down payment, and cash needed to purchase a home in Orlando or Central Florida. Adjust the numbers to compare different prices, loan programs, and down-payment options.

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10% of purchase price

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Market benchmark as of August 21, 2026 from Bankrate. Your actual rate may vary based on your credit, loan program, property, down payment, occupancy, lender, and market conditions.

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Florida estimate (1.2% of purchase price)

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Your Estimated Monthly Payment

Based on the information you provided

Total Monthly Payment

$2,800

Breakdown

Principal & Interest $2,100
Property Taxes (monthly) $450
Homeowners Insurance (monthly) $200
PMI / Mortgage Insurance $0
HOA Fee $0
Purchase Price $450,000
Down Payment Amount $45,000
Base Loan Amount $405,000
Total Loan Amount $405,000
Interest Rate 6.5%
Loan Term 30 Years
Loan Program Conventional

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Get a personalized copy of your estimated payment, cash to close, and loan-program comparison emailed directly to you.

This calculator is provided for educational and informational purposes only. Results are estimates based on the information entered and general market assumptions. This is not a commitment to lend, loan approval, official Loan Estimate, financial advice, tax advice, or guarantee of available financing. Actual interest rates, payments, closing costs, taxes, insurance, mortgage insurance, eligibility, and loan terms will vary. Consult a licensed mortgage professional for an official financing evaluation.

Have Questions About Your Numbers?

Let's talk about your situation. I'll help you understand your options and connect you with a trusted lender.

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