Advanced Mortgage Calculator
Compare Conventional, VA, FHA, and Jumbo loan payments with real PMI rates, VA funding fees, and FHA mortgage insurance.
Loan Details
$
%
$160,000 down
%
Enter rate in 0.125% increments (e.g. 6.125%)
Monthly Costs (Optional)
$/mo
$/mo
$/mo
Estimated Monthly Payment
Conventional$4,737
Base Loan
$640,000
Total Loan
$640,000
Total Interest
$741,364
Monthly Breakdown
Principal & Interest$3,837
Property Tax$350
Insurance$150
HOA$400
Total Monthly$4,737
Principal & Interest
$3,837Property Tax
$350Insurance
$150HOA Fees
$400PMI Rate Reference
Annual PMI rates by FICO score and LTV. Your current selection is highlighted.
| LTV | 780+ | 760-779 | 740-759 | 720-739 | 700-719 | 680-699 | 660-679 | 640-659 | 620-639 |
|---|---|---|---|---|---|---|---|---|---|
| 95.01–97% | 0.58% | 0.65% | 0.75% | 0.92% | 1.10% | 1.30% | 1.55% | 1.85% | 2.20% |
| 90.01–95% | 0.44% | 0.52% | 0.62% | 0.74% | 0.88% | 1.05% | 1.25% | 1.50% | 1.78% |
| 85.01–90% | 0.26% | 0.32% | 0.39% | 0.48% | 0.58% | 0.70% | 0.85% | 1.05% | 1.25% |
| 80.01–85% | 0.15% | 0.19% | 0.24% | 0.30% | 0.38% | 0.48% | 0.60% | 0.75% | 0.92% |
No PMI required — your LTV is 80.0% (≤ 80%)
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