DENVER REAL ESTATE | COLORADO LIFESTYLES
← THE BUYING EXPERIENCE

YOUR PRICE. YOUR PAYMENT. YOUR POSSIBILITIES.

Make room for
the life you want.

Mortgage Calculator

Explore how price, down payment, and borrowing costs change your monthly payment. Save up to three scenarios to see the trade-offs side by side.

Build your scenario

Illustrative rate, not a current offer. Enter the note rate, not APR.
Enter your lender’s monthly PMI or FHA MIP estimate. VA has no monthly mortgage insurance.
Include a financed FHA upfront premium or VA funding fee, if applicable. Not added automatically.
Cash-paid fees, closing costs and prepaids, net of credits. Exclude down payment and financed fees.

SEE THE TRADE-OFFS

Your scenarios, side by side.

Calculate a scenario, then add it here. Comparisons remain in this tab until you leave or refresh.

THREE COMMON PATHS TO HOMEOWNERSHIP

Find the loan that fits your story.

01 / CONVENTIONAL

Flexible options.

Not insured or guaranteed by a federal loan program. Down payment and credit requirements vary by product and lender. With less than 20% down, private mortgage insurance is typically required.

Compare your rate, PMI and total cash needed. PMI cancellation rules depend on the loan and your circumstances.

CFPB conventional loan guide ↗
02 / FHA

A lower-down-payment path.

FHA-insured loans can allow down payments as low as 3.5% for eligible borrowers and may accommodate lower credit scores. County loan limits and property requirements apply.

Upfront and ongoing mortgage insurance add to the cost. Ask your lender for both amounts and how long the ongoing premium applies.

CFPB FHA loan guide ↗
03 / VA

A benefit earned through service.

For eligible Veterans, service members and certain surviving spouses. VA-backed purchase loans often require no down payment and have no monthly mortgage insurance, subject to eligibility, entitlement and lender requirements.

A one-time funding fee may apply; some borrowers are exempt. If financed, it increases the loan balance and payment.

VA funding fees and exemptions ↗
How this calculator works

Uses a fully amortizing, fixed-rate monthly payment based on the purchase price minus your down payment, plus financed upfront fees. Annual property taxes and homeowners insurance are divided by 12; HOA and mortgage insurance are added as monthly amounts. No fees, PMI or MIP are inferred from the loan type. Loan type supplies guidance, not an eligibility decision.

Total interest covers scheduled principal-and-interest payments over the full term, without extra payments or refinancing. Initial monthly estimates keep your entered costs constant; they do not model mortgage-insurance cancellation, tax increases, adjustable rates, buydowns or maintenance. Upfront cash equals down payment plus other entered cash costs and is not an official cash-to-close figure. Loan limits and program eligibility are not checked.

Numbers are the start.
Your goals shape the plan.

Let’s connect your budget with the home and lifestyle you’re looking for.

Talk through your next move ↗Explore financing & pre-approval ↗