Buy

The number first. Then we talk.

Run your full monthly payment right here, with insurance and HOA dues included. No email required, no 24-hour wait.

The full picture

Monthly payment calculator

A calculator that leaves out insurance and HOA dues gives you a number you will never actually pay.

The purchase

Home price In dollars. Type it or move the slider.

Down payment (%) The share of the price you put down up front. The shortcuts below set it in one tap; the slider stays free.

The loan

Annual interest rate (%) This is a sample value so you can see the math. Replace it with the rate your lender gives you: yours depends on your credit score, the type of property and how you will use it. Type it or move the slider.

Term (years)

30 20 15 10

What almost nobody adds in

Annual property tax You will find it on your county property appraiser’s website. Why does the tax go up in the second year? The tax you see today is the previous owner’s, and it may have been held nearly flat by law for years. When the home sells, that cap goes away: the county reassesses the home at market value on the following January 1, so your first full bill is usually higher. Florida Statutes § 193.155 and § 193.1555. General information, not tax advice.

Annual insurance Include flood coverage if the property requires it.

Monthly HOA dues Leave blank if it does not apply.

What if you pay extra

Extra monthly payment to principal Optional. The interest you save shows up in the panel, with the year-by-year table.

Start over

The extra payment and the year-by-year table are calculated when you press Calculate.

Your estimated monthly payment

/mo

Enter the price and the rate, and the number appears here.

Home price
Down payment
Loan amount
Interest over the life of the loan
Total monthly payment

Principal and interest
Property tax
Insurance
HOA dues

An estimate based on the figures you entered, for guidance only. We are not a lender, and this is not an offer or a quote of credit, a preapproval or an appraisal. The actual rate, payment and terms are set by the lender you choose, based on your profile. Does not include private mortgage insurance (PMI) or closing costs. Uses the annual tax you entered and does not include non-ad valorem assessments (trash, sewer, CDD): your county property appraiser’s estimator is the authoritative source.

How we handle a purchase

Neighborhood tours with judgment, not a pile of listings
Closing numbers explained before you sign
Title and financing close at hand through the team

Equal housing

We comply with the Fair Housing Act. We serve every person without regard to race, color, religion, sex, disability, familial status or national origin.

If you like, we will review it with you

A local agent helps you sort out the numbers and see what is really selling. No obligation.

Contact me

Full name

Phone (optional)

Area you are interested in

Already working with another agent If you already have an agreement with another agent, that agent is the one who should help you here, and we will not contact you to represent you. Just tell us and we will respect that agreement.

Anything we should know (optional)

Contact consent I authorize eXp Realty, LLC and its associated agent to contact me at the phone number I provide, including calls, text messages and prerecorded voice messages that may use automated technology to select and dial numbers. I understand that I am not required to check this box to buy, sell or rent any property or to receive a response, and that I may withdraw my consent at any time by replying STOP, by writing to the team’s email, or by any other reasonable means. Message and data rates may apply. If you leave it unchecked, we will reply by email only.

Brokerage: eXp Realty, LLC