Mortgage payment calculator

Planning estimate - not a loan offer

1. Enter the property address

Street address of the property Unit / condo number (if applicable) City State Property ZIP code

Enter the address, including a unit number when applicable. Confirm the property before using its taxes.

Kitsap: automatic tax matching for eligible single-parcel street addresses. King and Pierce: official records and editable tax entry while automatic imports are verified.

Choose county records manually

County

Open Kitsap County records

These links open county websites without sending your entered address. Use the county’s search to find and verify the parcel.

2. Enter your purchase details

Choose your fixed-rate loan term Price of the home you want to buy ($) Your planned down payment ($) Your lender’s 30-year note rate (%) Your lender’s 15-year note rate (%)

Enter your lender’s quoted note rate before a temporary buydown, or use the sample rate to explore. These defaults are not today’s rates.

Annual property taxes ($)

Use the latest available county annual tax bill. Future taxes may differ; seller exemptions may not transfer.

Annual homeowners insurance ($)

Insurance starts at an illustrative $1,800 per year—not a quote. Enter your own amount to override it. Annual taxes and insurance are divided by 12.

Monthly mortgage insurance ($) Monthly HOA dues ($) Enter your first-year rate buydown (percentage points)

Enter 0, 1, 2 or 3. Entering 3 creates a 3-2-1 temporary buydown: 3 percentage points in year 1, 2 in year 2, 1 in year 3, then the full payment. This is not a 3% down payment or a permanent rate reduction.

Tax record details / manual entry

Verified parcel number (optional) Tax amount source Tax bill year

Changing the property address clears the previous county tax amount and parcel, then restores the editable planning estimate. County bills may reflect seller exemptions or deferrals that will not apply to you.

Compare your monthly payment

Without a buydown

With buydown · Year 1

Both totals include the same entered taxes, insurance, mortgage insurance and HOA dues.

Year 1 monthly payment breakdown

Full monthly cost after buydown

The mortgage note rate stays fixed. A temporary buydown subsidizes payments for a limited period; taxes, insurance and HOA costs can change.

Selling a home? Add your current payoff

Estimate sale proceeds separately. Your old mortgage payoff does not reduce the new loan unless proceeds are applied to its down payment.

Estimated current-home sale price ($) Current mortgage payoff ($) Other liens + selling costs ($)

Estimated net sale proceeds:

Uses your payoff estimate; excludes unentered costs, per-diem interest and payoff changes. Not a lender payoff statement. Enter any proceeds you intend to use in the down-payment field above.

Your monthly payment illustration

Every row uses the current tax and insurance fields, whether estimated, county-filled or buyer-entered. Costs are held constant for this illustration.
Period	Payment calculation rate*	P&I paid by buyer	Taxes / month	Insurance / month	Mortgage insurance + HOA	Total / month

*Used only to calculate the subsidized payment. It is not a new note rate or APR.

Estimated upfront buydown subsidy:

Sum of monthly P&I payment differences. Funding and eligibility require lender approval; this does not include points, closing costs or prepaid escrow deposits.

Keep a copy of your estimate

Download your current comparison, including taxes, insurance, input assumptions and disclosures. No email is required.

Questions? Call Kevin Thomas · Email Kevin

Estimate assumptions & disclosures

Educational illustration only, not a loan offer, rate lock, preapproval, Loan Estimate, insurance quote, or guarantee of financing. Kevin Thomas / Pellego Inc. provides real estate services; consult a licensed lender for financing. Sample rates are not current market rates. The note rate is not APR; APR includes certain credit costs and has not been calculated. Actual terms depend on borrower, property, loan program, points and lender fees.

Totals include entered principal and interest, property taxes, homeowners insurance, mortgage insurance and HOA dues. Zero entries mean those costs are excluded. Flood/earthquake coverage, assessments not included in the tax entry, utilities, maintenance, closing costs and other unentered expenses are excluded. County tax bills reflect their stated tax year and may include seller exemptions or deferrals that do not carry over. Future taxes and insurance can change.

Temporary buydowns are subject to program eligibility and contribution limits; the full note payment remains owed under the mortgage. This illustration assumes the buyer qualifies at the full note rate. No refinancing or future rate reduction is assumed or guaranteed.