Smart Mortgage Calculator
Explore loan types, buydown options, and custom scenarios. Get instant, transparent estimates designed for homebuyers.
Custom Scenario
Standard loan. Min 3% down. PMI required below 20%.
Used to check 2026 loan limits. Most counties use the standard limit; pick a high-cost county if it's listed.
Taxes, Insurance & Fees
Estimated Monthly Payment
ConvRate 6.490% · APR 6.538%
Loan Amount
$320,000
Down Payment
$80,000
Estimates only. Subject to credit approval.
Can I Afford This?
Full calculator →Gross annual income typically needed for this payment:
Comfortable
$108,736
Typical
$84,573
Max stretch
$70,805
Estimates for educational purposes only — not a commitment to lend, a Loan Estimate, or an offer of credit. The interest rate, APR, monthly payment, mortgage insurance, taxes, insurance, and closing costs shown are estimates that depend on your credit, the property, the loan program, and market conditions, and are subject to change and credit approval. Your actual rate and APR may differ. The ROC Group at CrossCountry Mortgage, LLC, NMLS #3029. Equal Housing Opportunity.
Est. Monthly
$2,537.18
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Next Step
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