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
Best available annual rates across MGIC, Radian & Arch MI. Your selection is highlighted.
| LTV | 760+ | 740–759 | 720–739 | 700–719 | 680–699 | 660–679 | 640–659 | 620–639 |
|---|---|---|---|---|---|---|---|---|
| 95.01–97% | 0.58% | 0.70% | 0.87% | 0.99% | 1.21% | 1.54% | 1.65% | 1.86% |
| 90.01–95% | 0.34% | 0.48% | 0.59% | 0.68% | 0.87% | 1.11% | 1.19% | 1.25% |
| 85.01–90% | 0.22% | 0.38% | 0.46% | 0.55% | 0.65% | 0.90% | 0.91% | 0.94% |
| 80.01–85% | 0.17% | 0.19% | 0.22% | 0.23% | 0.26% | 0.32% | 0.34% | 0.41% |
No PMI required — your LTV is 80.0% (≤ 80%)
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See how a temporary buydown could lower your payments in the first 1–3 years.
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