Mortgage Calculator
Estimate your monthly payments, understand your buying power, and plan your next move with confidence.
Loan Details
Adjust the values below to see how they impact your payment.
Additional Costs (Monthly)
Denver Metro avg: ~$293/mo
Estimated avg: ~$283/mo
Varies by community
Usually required if down payment < 20%
Estimated Upfront Costs
Estimated cash needed to close on the property.
Inspection ~$750 + appraisal ~$750 = $1,500
Est. $8,000
Includes $100,000 down payment
Estimated Monthly Payment
Lower Your Rate Without Waiting for the Fed
A temporary 2-1 or 3-2-1 buy-down can reduce your monthly payment by $400–$800 for the first 1–3 years. See how it works with your numbers below.
Buy-Down Savings Estimator
Loan amount: $580,000
At 7.59% for 30 years on $580,000
Seller cost is the present value of the payment subsidy over the buy-down period. Actual fees vary by lender.
| Year | Effective Rate | Monthly P&I | Monthly Savings | Annual Savings |
|---|---|---|---|---|
| Year 1 | 5.59% | $3,326 | $765/mo | $9,183 |
| Year 2 | 6.59% | $3,700 | $391/mo | $4,690 |
| Year 3+ | 7.59% | $4,091 | Full rate | — |
Based on $580,000 loan, 30-year amortization, note rate 7.59% (October 6, 2026, Mortgage News Daily). Actual figures vary by lender, fees, and escrow. Does not include taxes, insurance, or HOA.
