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Principal, interest, taxes & insurance
Down payments under 20% typically require private mortgage insurance, estimated above at ~0.75% of your loan per year and included in the payment total.
Mortgage payment plus what most buyers forget to budget for
Utilities are a rough estimate based on home size, actual bills vary by market, climate, and usage, ask the current owner for their bills when possible. Maintenance reserve follows the standard 1%-of-home-value-per-year budgeting rule.
Loan Amount
$320,000
Total Interest
$432,040
Total Cost
$752,040
Est. Closing Costs
$6,400–$9,600
Good credit (700–759): You qualify for most conventional loans. A slightly lower rate may be available with scores above 760.
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