Principal & interest
Repaying what you borrowed, plus the cost of borrowing it. This is the part your rate and term control.
Estimate your monthly payment.
Adjust the numbers for a quick estimate of principal, interest, taxes, and insurance — then ask us for a precise quote tied to your credit and today’s rates.
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$0
per month
Estimated monthly payment
- Principal & interest
- $0
- Property taxes
- $0
- Homeowners insurance
- $0
- HOA dues
- $0
- Mortgage insurance (PMI)
- $0
- Loan amount
- $0
This calculator is for general education and is not a loan offer, pre-approval, or commitment to lend. In purchase mode, mortgage insurance (PMI) is estimated at 0.7% of the loan amount per year whenever the down payment is below 20% — your actual rate will differ. It does not reflect the pricing of investor, bridge, or private-money loans. Actual rates, payments, and costs depend on your credit, income, property, loan program, and market conditions when you lock. Contact Unity Lending for a personalized estimate.
What goes into “the payment.”
Property taxes
Set by your county as a percentage of assessed value, usually collected monthly into an escrow account.
Homeowners insurance
Required by your lender. Also typically escrowed and paid on your behalf when the bill comes due.
HOA & mortgage insurance
HOA dues apply to many condos and planned communities. Mortgage insurance applies with a smaller down payment — ask us how to drop it.
Want the real number?
Send a few details and we will come back with an actual rate, payment, and cost breakdown for your scenario.