Mortgage Calculator

 
Use our home loan calculator to estimate your total mortgage payment, including taxes and insurance. Simply enter the price of the home, your down payment, and details about the home loan, to calculate your mortgage payment, schedule, and more.
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Your mortgage payments over 30 years will add up to $0.

Mortgage Help


Down Payment

The typical rule of thumb is to pay 20 percent of the home's price as your down payment, although some mortgage loans require as little as 3.5 percent down. Your down payment reduces the total amount of your mortgage loan, so the more money you put down, the lower your payments will be - or the more expensive a house you can buy.

Loan Term

Your loan program can affect your interest rate and monthly payments. Choose from 30-year fixed, 15-year fixed, and more in the calculator.

Loan Type

There are several types of mortgage loans, but the most commonly used are fixed-rate and adjustable-rate loans. Fixed-rate loans have the same interest rate for the entire duration of the loan. That means your monthly payment will be the same, even for long-term loans, such as 30-year fixed-rate mortgages. Two benefits to this loan type are stability, and being able to calculate your total interest up front. Adjustable-rate mortgages (ARMs) have interest rates that can change over time. Typically they start out at a lower interest rate than a fixed-rate loan, and hold that rate for a set number of years, before changing interest rates from year to year. For example, if you have a 5/1 ARM, you will have the same interest rate for the first 5 years, and then your interest rate will change from year to year. The main benefit of an adjustable-rate loan is starting off with a lower interest rate.

Interest Rate

This field is pre-filled with the current average mortgage rate. Your actual rate will vary based on factors like credit score and down payment.

Property Tax Rate

The mortgage payment calculator includes estimated property taxes based on the home's value. You can edit this in the advanced options.

Home Insurance

Home insurance or homeowners insurance is typically required by lenders, depending on the loan program. You can edit this number in the mortgage calculator advanced options.

HOA Fees

A homeowners association fee (HOA fee) is an amount of money that must be paid monthly by owners of certain types of residential properties, and HOAs collect these fees to assist with maintaining and improving properties in the association.

What My Clients Say

Nicole Rhoads

As someone who works in the housing industry myself, there is no greater compliment than a personal recommendation. I cannot recommend Candace enough! From our very first conversation, I knew she was going to show up for me no matter what. In fact, she took my initial call while on a family trip, stepping away from a hike in the middle of nowhere with spotty cell service just to make time for me. That level of dedication set the tone for the entire experience. Although I work in the industry, buying my first home was still a daunting task. Candace took the time to explain every step of the process, answer my questions, and make what could have been a stressful experience feel manageable, straightforward, and FUN! After hearing about a friend's disappointing experience with their realtor, it was especially important to me to find someone I could trust to have my best interests at heart. Candace did that and more. She welcomed my family into the process, wasn't afraid to tell me when she thought something wasn't the right move, and went to bat for me every step of the way once I was under contract. Her professionalism, honesty, and commitment gave me complete confidence throughout my home-buying journey. If you're looking for a realtor who genuinely cares and will go above and beyond for her clients, Candace is the person you want on your side.

Amy Burgard

We had an excellent experience working with Candace. From start to finish, she was professional, knowledgeable, responsive, and genuinely committed to helping us achieve our goals. She took the time to answer all of our questions, kept us informed throughout the entire process, and made what could have been a stressful experience go very smooth We always felt like our best interests were the top priority. Whether negotiating, coordinating inspections, or guiding us through paperwork, she handled everything with expertise and care. We are happy to now call Candace our friend! She is the best!!

Ashley McDowell

Can I give more than 5 stars ⭐️? Candace is PHENOMENAL. She helped my fiance and I find the home of our dreams! She is so patient and worked around our crazy schedules for showings. This was the most wonderful home buying experience I have had so far, thanks to Candace. She will always by my go-to for any of my realtor needs!

Ruth Gentry

Candace is one of a kind. She made our home buying process easy and fun from the search to the signing. She communicated with us every step of the way, day or night. She answered all of our questions breaking down the process so it was less overwhelming and less stressful. Could not imagine buying our home without having Candace to help us. She walked us through houses, walked us through the appraisal, insurance, offers, market values, loan applications, inspections and everything between. Very knowledgeable, very personable, and clearly loves what she does, highly recommend 10/10.

Erica H

Working with Candace was one of the best decisions we made during our home-buying process. As first-time homebuyers, there were so many things we didn't know, and she was there every step of the way to answer questions, explain everything clearly, and make sure we felt comfortable with every decision. Working with Candace was one of the best decisions we made during our home-buying process. As first-time homebuyers, there were so many things we didn't know, and she was there every step of the way to answer questions, explain everything clearly, and make sure we felt comfortable with every decision.

Craig Hazen

Candace was awesome to work with from start to finish. She was responsive and kept me informed at every step along the way. Ultimately, the expectations we set together in the beginning matched reality in the end. Highly recommend!

Jack Taylor

Candace helped my fiancée and me buy our first home together, and she exceeded every expectation we had for a realtor. She always made us feel like a top priority and genuinely went above and beyond throughout the entire process. Her professionalism, responsiveness, and dedication made what could have been a stressful experience feel smooth! I highly recommend working with Candace, and she will absolutely be our first choice if we decide to buy or sell a home in the future.

Jenna

I would highly recommend Candace! If I could give her 10 stars, I would. She was extremely helpful throughout the entire home-buying process and always took the time to address all of my questions and concerns. I first started working with her back in 2019 when I was considering buying a home, but ultimately decided to hold off. When I reached back out to her this year, she remembered exactly the style of homes I liked and what would be the most affordable while still fitting what I wanted. She showed me a new-build home that I immediately fell in love with, and within one day I was sold and started the pre-approval process. We had a few minor hiccups along the way, but Candace always went above and beyond to help me through everything. She is amazing, knowledgeable, patient, and truly cares about her clients. I couldn’t recommend her more. Thank you, Candace!!!

jennifer keller

I want to set the scene first. Our family friend Kandy who is a realtor here in Cincinnati wasn’t able to be in Cincinnati and Columbus in one day. With the market being as crazy as it’s been houses going so quickly she felt finding a local Columbus realtor was the best option. With her watching out for their best interest, Kandy started a quick but thorough job of finding an amazing Realtor for them. Thats when Candace Neff was introduced. Candace thank you from the bottom of our hearts for helping our son Ty and his fiancé Darcy find their first home. Your friendly, knowledgeable, supportive and caring personality was exactly what these young adults needed. I will be sharing your information to any house hunters looking in the Columbus area. Big hugs, Jeff and Jenn Keller

Taylor Rogers

Highly recommended for anyone looking for results. Candace beat out a competing cash offer and got her first time homebuyer clients into contract on their new home. Knowledgeable, professional, responsive and caring. Thanks Candace.

Darcy Mitchell

I would highly recommend Candace! Navigating this process as a first time homebuyer can be intimidating, but Candace was there every step of the way. She is super knowledgeable and she was readily available when we had questions or wanted to schedule a quick showing. I cannot sing her praises enough!
Candace Neff
Candace Neff

Agent | License ID: 2018003257

+1(740) 255-0468 | candace@yourrealtorcan.com

Let's get you to your next dream home. Let's chat!

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