True Cost Calculator

Calculate the REAL cost of homeownership beyond the sticker price. Includes property taxes, insurance, HOA, maintenance, and more.

Property Details

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Enter property details to see cost breakdown

What's Included in the True Cost?

Mortgage Payment

Principal and interest based on your loan amount and interest rate

Property Tax

Based on local tax rates for your zip code (typically 0.5-2% of home value)

Home Insurance

Average insurance costs for your area and home value

HOA Fees

Monthly homeowners association fees if applicable

PMI

Private mortgage insurance if down payment is less than 20%

Maintenance

Estimated 1% of home value annually for repairs and upkeep

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