Mortgage payment calculator.
See your estimated monthly payment — principal, interest, taxes, insurance, and HOA.
Monthly mortgage payment
- Principal & interest
- $2,854
- Property taxes
- $400
- Homeowners insurance
- $150
- HOA
- $0
Estimate excludes PMI/MIP. Get a personalized quote for exact figures.
How to use this calculator
The monthly mortgage payment calculator estimates your total housing payment — principal and interest, property taxes, homeowners insurance, and HOA dues. It does not include mortgage insurance (PMI/MIP), which applies to most loans with less than 20% down payment.
Principal & interest is determined by your loan amount, interest rate, and loan term. On a $400,000 loan at 7.0% for 30 years, the P&I payment is approximately $2,661/month.
Property taxes
Property taxes in Colorado vary significantly by county — Eagle County averages around 0.4% of assessed value, while Denver County averages closer to 0.5%. Florida property taxes for primary residences benefit from the $50,000 homestead exemption. Budget 0.8–1.2% of purchase price annually for taxes depending on your county.
Homeowners insurance
Homeowners insurance in Florida has risen sharply due to hurricane risk and the insurance market crisis. Budget $3,000–$8,000/year for most Florida properties; coastal and high-value homes may cost significantly more. Colorado insurance is more predictable — budget $1,500–$3,500/year for most properties.
This calculator provides an estimate only. Get your exact payment with a personalized quote from Tayton Capital.
Related: Colorado mortgage rates · Florida mortgage rates · Affordability calculator
Get a personalized quote.
Real numbers from a licensed Colorado & Florida mortgage broker.