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.

Payment

Schedule

Your mortgage payments over 30 years will add up to $0.

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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.

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What My Clients Say

Jenna Dorman

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!

Kandy Swierk

I referred clients to Candace that were looking in her market and she was phenomenal to work with. I always felt part of the transaction and never worried how my clients were being treated. Candace is an excellent partner in the Columbus market!

Ty Keller

She moved heaven and earth to help my Fiancé and I find our home. She’s great!

Meisam Naeimi

Candace is truly an exceptional realtor, and we can’t express enough how grateful we are for her support! Throughout the process of selling our house, especially while we were out of town, she went above and beyond to ensure everything was taken care of. When a storm caused our pipes to burst, she stepped in without hesitation, handling everything from finding reliable contractors to cleaning up the mess. Her hard work and genuine care for her clients are remarkable, and it’s rare to find someone so dedicated. We feel incredibly fortunate to have had her by our side, and we look forward to continuing to work with her. If you’re looking for someone you can truly trust, Candace is the one! She will do everything in her power to help you.

Ezgi Elmas

Ed “Edmure” S.

Candace was excellent to work with from start to finish. She was knowledgeable, responsive, and very easy to communicate with throughout the entire process. She took the time to understand our needs, provided clear and honest guidance, and made what could have been a stressful experience feel smooth and well-managed. I would absolutely recommend Candace to anyone looking for a reliable and trustworthy real estate agent.

Jennie Day

Candace helped me sell my mom’s condo in Dublin. I had never sold a property before, but with Candace’s help the whole process went smoothly. She connected me with great services to help prep the house, and within days of listing we had several offers. The advice and guidance Candace provided made the whole experience easier and less stressful than I had expected and I would not hesitate to recommend Candace to anyone buying or selling a home.

Martina and Ty Schaub

Candace has now helped us buy and also sell our home in Ohio. At the time, we were no longer living in Ohio and needed help getting it sold and knew Candace was the one to trust to get the job done. She walked us through what the market was doing and kept our wits about us when we were starting to get nervous about the timeline of the sell. Candace and her team were so efficient and very communicative through the process and made it so seamless. If only she could buy and sell in Michigan =)

Candace Neff

Agent | License ID: 2018003257

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