Free Tool

Mortgage Payment Calculator

Get a quick estimate of your monthly payment before you start touring homes. For an exact number, talk to a lender — Dave can point you toward one.

Estimate Your Payment

The tax & insurance estimate uses Ohio's general effective property tax rate plus typical homeowners insurance costs, not a single made-up figure — but real rates vary by county and lender, and the interest rate here is a general planning figure, not a live quote.

$80,000 $220,000 $600,000+
0% 10% ($22,000) 50%

Estimated monthly payment

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Get Pre-Approved — Talk to Dave

A Starting Point, Not a Quote

Your actual payment depends on your credit, the exact loan program, current rates, and your lender's terms. This calculator gives you a realistic ballpark so you can shop with a budget in mind — a lender gives you the real number.

Free, no-obligation conversation
Dave can point you toward local lenders he's worked with — no pressure, no cost.
Works alongside your VA benefit
Veteran or active-duty? Toggle the down payment to 0% to see what a VA loan payment could look like.
See what you'd walk away with, too
Selling first? Try the Seller Net Proceeds Calculator to see both sides of the move.

Want a real pre-approval? Call Dave:

(419) 799-0291

Questions About This Tool

Does this include taxes and insurance?
Yes, roughly — toggle "Include taxes & insurance" for an estimated total monthly payment. The tax and insurance figures are general planning estimates, not your actual bill. Your lender will give you exact numbers.
What interest rate should I use?
Rates change often and depend on your credit, loan type, and the lender. The default here is a general planning rate — get a real, current rate quote from a lender for an accurate payment.
Does this account for PMI?
Not directly. If your down payment is under 20% on a conventional loan, expect an additional monthly cost for private mortgage insurance that isn't reflected here. VA loans typically don't require PMI at all.
How much house can I actually afford?
This tool shows what a given price would cost per month — it doesn't tell you what you can qualify for. A lender's pre-approval is the real answer to "how much can I afford," and it's worth getting before you start seriously looking.

More Free Tools

What's My Property Worth?

Ballpark value for a home or land in Northwest Ohio.

Seller Net Proceeds Calculator

See roughly what you'd walk away with after selling.
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