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Mortgage Payment Calculator

Calculate your full Florida monthly payment — principal, interest, property tax, homeowner's insurance, HOA, and PMI — with 2026 averages baked in.

Monthly payment (PITI)

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Principal & interest—

Property tax—

Homeowner's insurance—

HOA—

PMI—

Total monthly—

Loan amount—

Total interest paid—

Total of all payments—

Florida 2026 note: Florida homeowner's insurance is highly variable due to wind/hurricane exposure. Coastal homes often run higher than inland. Run a real quote with a licensed lender before relying on these defaults.

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Adjustable-Rate Mortgage (ARM) Calculator

An ARM offers a lower initial rate that resets after a fixed period. See your initial payment and worst-case projected payment after the first adjustment.

Initial monthly payment

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Initial rate—

Fixed-period payment—

After first adj. (max)—

First-adj. max rate—

Worst-case payment—

Worst-case max rate—

How to read this: ARMs are most useful when you plan to sell or refinance before the fixed period ends. Always model the worst-case payment.

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Amortization Calculator

See how each monthly payment splits between principal and interest, and watch your loan balance decrease year by year.

Monthly payment

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Principal & interest only

Total interest—

Total of payments—

Interest as % of total—

Year	Principal paid	Interest paid	Remaining balance

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Debt-to-Income (DTI) Ratio Calculator

Lenders use DTI to decide how much house you can afford. See front-end (housing) and back-end (total debt) ratios with 2026 conventional/FHA/VA thresholds.

Front-end DTI (housing only)

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Conventional target ≤ 28% · FHA target ≤ 31%

Back-end DTI (total debt)

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Conventional ≤ 43% · FHA up to 50% · VA target 41%

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Total monthly debt—

Max back-end debt at 43%—

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Down Payment Calculator

Compare 3%, 5%, 10%, 15%, and 20% down for the same Florida home. See loan amount, monthly P&I, and PMI at 2026 rates.

Down payment scenarios

Down %	Cash needed	Loan amount	Monthly P&I	+ PMI

Your savings vs 20% down + 3% closing—

Florida 2026 programs to ask about: Florida Hometown Heroes (up to $35,000 DPA for eligible workers), Florida Assist, and county-level programs. Program details, eligibility, and funding availability are subject to change.

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Home Sale Calculator

Estimate your net proceeds from selling your Florida home — sale price minus mortgage payoff, agent commission, closing costs, repairs, and other fees.

Estimated net proceeds

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After all costs and mortgage payoff

Sale price—

Mortgage payoff—

Agent commission—

Closing costs—

Repairs & staging—

Buyer concessions—

Other costs—

Total selling costs—

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Mortgage Comparison Calculator

Compare two loan offers side by side — different rates, terms, or programs — and see which costs less monthly and over the life of the loan.

Side-by-side comparison

Metric	Loan A	Loan B
Monthly P&I	—	—
Total interest	—	—
Closing costs	—	—
Total cost	—	—

Lifetime savings (A vs B)—

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Mortgage Payoff Calculator

See what happens when you switch to biweekly payments or add an extra principal payment each month.

Standard plan

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Monthly payment · standard schedule

Total interest (standard)—

Payoff time (standard)—

Accelerated plan

Total interest (accelerated)—

Payoff time (accelerated)—

Interest saved—

Time saved—

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Refinance Calculator

Compare your current Florida mortgage to a new loan. See monthly savings, break-even point, and total lifetime savings after closing costs.

Refinance summary

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Monthly savings

New monthly P&I—

Break-even months—

Lifetime interest saved—

Total lifetime savings—

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Rent vs. Buy Calculator

Estimate the total cost of renting versus buying over a holding period, including Florida property tax, insurance, HOA, mortgage payoff, and home appreciation.

After your holding period

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Total rent paid—

Total housing cost (buy)—

Estimated home value at exit—

Mortgage balance at exit—

Estimated equity at exit—

Net buying cost (cost − equity)—

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Reverse Mortgage Calculator

Estimate the equity a Florida homeowner age 62+ may be able to access with a HECM reverse mortgage. Final eligibility depends on age, home value, FHA lending limits, and current rates.

Estimated principal limit

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Approximate · subject to FHA HECM limits

Estimated PLF (age-based)—

Existing mortgage payoff—

Estimated upfront FHA MIP—

Other closing costs (est. 1.5%)—

Estimated cash available—

Important: A HECM reverse mortgage is a complex financial product. You must continue to pay property taxes, homeowner's insurance, HOA, and home maintenance. HUD requires counseling before applying. This estimate is illustrative only.

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VA Home Loan Calculator

VA-eligible Florida buyers can purchase with $0 down and no PMI. This calculator estimates your monthly payment with the VA funding fee and disability waiver where applicable.

Estimated VA monthly payment

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PITI · No PMI required for VA

Loan amount (with funding fee)—

VA funding fee rate—

VA funding fee amount—

Monthly P&I—

Monthly tax—

Monthly insurance—

Total interest over life of loan—

Florida 2026 VA notes: Funding fee waived for veterans receiving service-connected disability compensation. Confirm your COE with a licensed VA-approved mortgage professional. Jeannie Jacobson is not a mortgage lender.

Mortgage Calculators

Twelve Mortgage Calculators Built for Florida Buyers and Sellers in 2026