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Mortgage calculator.

Estimate your monthly payment on a Miami home — principal & interest, property tax, insurance, HOA and PMI. Adjust the numbers and watch it update in real time.

Your numbers

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Estimated monthly payment
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Loan amount
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Down payment
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Total interest
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Total of payments
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Get Pre-Approval Help →

Estimate only, not a loan offer or financial advice. Actual figures depend on your lender, credit, taxes and insurance. PMI is auto-estimated at 0.6%/yr of the loan when your down payment is under 20%.

How this is calculated. Principal & interest use the standard amortization formula for the term and rate you enter. Property tax is estimated as a percentage of the purchase price (Miami-Dade's effective rate is roughly 1%), and homeowners insurance and HOA are added as you enter them. Florida insurance costs vary widely, so confirm real quotes with your lender and insurer before relying on these numbers.

Before you buy

Three things this tool can't tell you.

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Your real rate

The rate you'll actually get depends on your credit, down payment and loan type. A quick pre-approval gives you a real number to plug in here.

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Closing costs

Budget roughly 2–5% of the price for closing — title, taxes, inspections and lender fees. I'll walk you through exactly what to expect.

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Whether it's a good deal

Affordable isn't the same as worth it. I run the comps and the numbers so you know you're paying the right price, not just a payment you can swing.

Let's turn this estimate into a plan.

I'll connect you with trusted local lenders for a real pre-approval, then find homes that fit both your budget and your goals. No pressure.

Now find the home
Take your budget to the live map · or call 786-578-6900