Mortgage Calculator

Use our home loan calculator to estimate your total mortgage payment, including taxes and insurance. Simply enter the price of the home, your down payment, and details about the home loan, to calculate your mortgage payment, schedule, and more.

Payment

Schedule

Your mortgage payments over 30 years will add up to $0.

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Mortgage Help

Down Payment

The typical rule of thumb is to pay 20 percent of the home's price as your down payment, although some mortgage loans require as little as 3.5 percent down. Your down payment reduces the total amount of your mortgage loan, so the more money you put down, the lower your payments will be - or the more expensive a house you can buy.

Loan Term

Your loan program can affect your interest rate and monthly payments. Choose from 30-year fixed, 15-year fixed, and more in the calculator.

Loan Type

There are several types of mortgage loans, but the most commonly used are fixed-rate and adjustable-rate loans. Fixed-rate loans have the same interest rate for the entire duration of the loan. That means your monthly payment will be the same, even for long-term loans, such as 30-year fixed-rate mortgages. Two benefits to this loan type are stability, and being able to calculate your total interest up front. Adjustable-rate mortgages (ARMs) have interest rates that can change over time. Typically they start out at a lower interest rate than a fixed-rate loan, and hold that rate for a set number of years, before changing interest rates from year to year. For example, if you have a 5/1 ARM, you will have the same interest rate for the first 5 years, and then your interest rate will change from year to year. The main benefit of an adjustable-rate loan is starting off with a lower interest rate.

Interest Rate

This field is pre-filled with the current average mortgage rate. Your actual rate will vary based on factors like credit score and down payment.

Property Tax Rate

The mortgage payment calculator includes estimated property taxes based on the home's value. You can edit this in the advanced options.

Home Insurance

Home insurance or homeowners insurance is typically required by lenders, depending on the loan program. You can edit this number in the mortgage calculator advanced options.

HOA Fees

A homeowners association fee (HOA fee) is an amount of money that must be paid monthly by owners of certain types of residential properties, and HOAs collect these fees to assist with maintaining and improving properties in the association.

Success Stories

Cristie Hopkins

When my husband and I were looking for a property on Seneca Lake, we had no idea where to start! Maryland is our full time home, and we were completely unfamiliar with the home buying process in NY, as well as the different Villages. Chantel and Mary to the rescue! They were patient with my constant questions, professional during bumps in the road, and the kind of people you would want to call your friends! In March, we settled on our lake view dream property in Watkins Glen. I could not be anymore thankful for all they did to make our dream come true!

David VanHousen

Chantel was extremely helpful during my entire home purchasing process. Always there to answer all questions in a timely manner. I would highly recommend her for your next home purchase!

Megan Lynn

I’m not sure where to start except to say that Chantel is wonderful! As first time home buyers, it was a very stressful time for us but she made it so much easier! She has your best interests in mind and is constantly on the search for what you’re looking for. Chantel is always there to answer your questions. Even when we fully panicked, she kept us calm and assisted us with finding a solution. Chantel went above and beyond our expectations and for that, I’m grateful.

C English

A wonderful experience working with Chantel Kincaid. She made sure that my purchase went very smooth for me, and viewing potential properties was such an ease. I would find a place I liked, and she did all the leg work to get things scheduled In a very timely manor.

Mary St George

Chantel brings to the table a great personality, a genuine personality that is congenial, self motivated and full of energy. When searching for homes for her clients, she leaves nothing off the table. She is there for the win/win. It is truly a benefit for a home buyer to be working with Chantel.

Find Out More

Chantel Kincaid & Mary St George's Team

+1(585) 643-9770

chantelkincaid99@gmail.com