MORTGAGE CALCULATOR

At Agape Real Estate Group, we’re here to make your homeownership journey simple and informed. Use our home loan calculator to estimate your total mortgage payment, including taxes and insurance. Just enter the home price, your down payment, and loan details to calculate your payment schedule and more. With personalized guidance every step of the way, we’re committed to helping you plan with confidence—because at Agape, your dreams are our priority.
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Your mortgage payments over 30 years will add up to $0.

Mortgage Help: A Guide to Navigating Your Home Financing Options

At Agape Real Estate Group, we understand that choosing the right mortgage is a crucial step in your real estate journey. With a commitment to providing clarity and expert guidance, we’ve outlined key aspects of mortgage financing to help you make informed decisions.


Down Payment

Your down payment significantly impacts your mortgage loan. While the typical recommendation is to pay 20% of the home’s price, some loan programs require as little as 3.5%. A higher down payment lowers the total amount of your loan, reducing your monthly payments or enabling you to qualify for a more expensive home..

Loan Term

Your loan program can affect your interest rate and monthly payments. Choose from 30-year fixed, 15-year fixed, and more in the calculator.

Loan Type

Choosing the right type of loan is essential. Fixed-Rate Loans: Offer a stable interest rate throughout the loan’s duration, providing predictable monthly payments. This option is ideal for long-term planning and budgeting. Adjustable-Rate Mortgages (ARMs): Begin with a lower initial interest rate that adjusts after a fixed period. This can be advantageous if you plan to move or refinance within the initial fixed-rate period. For example, a 5/1 ARM offers a fixed rate for the first 5 years before adjusting annually.

Interest Rate

This field is pre-filled with the current average mortgage rate. Your actual rate will vary based on factors like credit score and down payment.

Property Tax Rate

The mortgage payment calculator includes estimated property taxes based on the home's value. You can edit this in the advanced options.

Home Insurance

Home insurance or homeowners insurance is typically required by lenders, depending on the loan program. You can edit this number in the mortgage calculator advanced options.

HOA Fees

A homeowners association fee (HOA fee) is an amount of money that must be paid monthly by owners of certain types of residential properties, and HOAs collect these fees to assist with maintaining and improving properties in the association.