Mortgage + Affordability Calculator

What Could Your Monthly Payment Actually Look Like?

Start with a home price, down payment and a rough credit-score range. We'll estimate your interest rate and show the pieces that can make up a real monthly housing payment.

No guessing at the mortgage math. Just a clearer starting point for your home search.

Current market benchmark built inCredit-based rate estimateTaxes + insurance + mortgage insurance

1. The Home

Start with the purchase price and down payment.

Use a home you're considering or a price range you want to test.

Purchase price

Down payment

$15,000 estimated down payment

Loan type

Loan term

2. Estimated Rate

About where is your credit score?

You don't need an exact number. Pick the closest range and we'll use it to create a planning estimate.

Estimated credit-score range

Estimated Planning Rate

6.71%

Market benchmark updated September 3, 2026

30-year benchmark: Freddie Mac PMMS

I have a lender quote and want to use my own rate.

3. Taxes + Insurance

Add the costs beyond principal and interest.

Use exact figures when you know them. Otherwise, these defaults are simply starting estimates.

Annual property taxes

Annual homeowners insurance

Monthly HOA dues

Estimated buyer closing costs

Used only for the cash-to-close planning estimate.

Estimated Monthly Housing Payment

per month

A planning estimate based on the information entered. This is not a lender quote or approval.

Principal + interest$0

Property taxes$0

Homeowners insurance$0

Mortgage insurance est.$0

HOA dues$0

Estimated monthly payment$0

What if rates move by 0.50%?

Rate ↓ 0.50%$00.00%

Estimated Today$00.00%

Rate ↑ 0.50%$00.00%

Estimated Cash Needed

Down payment$0

Estimated closing costs$0

Does not include every possible prepaid, escrow, inspection, appraisal, lender or program-specific charge.

Want to know what you could actually qualify for?

A local lender can price your real credit profile, income, debt and loan program. Koch Home Collective can help you build the home search around that number.

Build My Homebuying Plan Or call Koch Home Collective at 785-268-1035

Important: This calculator is for informational and planning purposes only. It is not a mortgage quote, Loan Estimate, preapproval, commitment to lend, or guarantee of financing. The market benchmark in V2 is manually configured using Freddie Mac's Primary Mortgage Market Survey and does not update automatically. The credit-score and loan-program adjustments used by this calculator are simplified planning assumptions and are not lender pricing. Actual interest rate, APR, points, lender credits, mortgage insurance, funding fees, guarantee fees, closing costs, prepaid items and eligibility can vary based on lender, credit history, loan-to-value ratio, debt-to-income ratio, property type, occupancy, loan amount, lock period, location and other underwriting factors. Property-tax and insurance figures are user-entered estimates. Consult a licensed mortgage professional for actual financing terms.