/ month
The home-cost planner
Same price.
A different picture.
Compare two homes beyond the asking price. Bring the monthly details into focus before you build your shortlist.
Your numbers. Your decision.
Both examples start at $650,000. Their association dues differ. All values, including the 6% rate, are illustrative assumptions, not current quotes or neighborhood averages. Replace them with property records and lender or insurance estimates.
Estimated monthly ownership budget
Enter your estimates below to compare.
/ month
Make the numbers
mean something.
Ask Dane to help check the property details and build a shortlist. Choosing this link copies your estimates into an editable inquiry; you decide whether to send it.
What’s in the estimate?
Fixed-rate principal and interest, annual taxes and home insurance divided by 12, monthly HOA dues, mortgage insurance, a maintenance allowance and utilities. The CFPB explains the difference between a loan payment and total monthly costs.
This is a planning estimate, not loan qualification. It excludes closing and moving costs, special assessments and other expenses you have not entered. Future taxes, premiums and dues may change. Maintenance and utilities are allowances. Mortgage insurance stays at your entered amount for this comparison; it is set to zero for a cash purchase. For a fixed loan, the payment is L × r ÷ (1 − (1 + r)−n), where L is the loan, r the monthly rate and n the number of payments. At zero interest it is L ÷ n.
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