Mortgage Tools
Mortgage Payment Calculator
Estimate your monthly payment including principal, interest, property taxes, homeowners insurance, PMI, and HOA. Adjust the numbers to see how each piece changes what you'd pay. Every figure is an educational estimate — not a rate quote, approval, or commitment to lend.
Your Numbers
= $80,000
20%+ down — no PMI
Estimated monthly payment
Loan amount: $320,000 · Down: $80,000
- Principal & interest$2,075.51
- Property taxes$400.00
- Homeowners insurance$150.00
- Mortgage insurance (PMI)$0.00
- HOA$0.00
Estimates only. Actual rate, APR, taxes, insurance, PMI, and approval depend on your full application — confirm with Tanesha before making decisions.
Ready for answers made for your numbers?
This is an estimate. Let me calculate your payment using the actual property taxes, insurance, HOA, and loan program for the home you have in mind — no application required.
About the Author
Tanesha Tomlinson
Florida Mortgage Loan Advisor, Hometown Financial Group, LLC DBA Modus Mortgage
NMLS #1540854 · Company NMLS #1028232
Tanesha Tomlinson is a 24-year Florida mortgage industry expert who has originated over $100,000,000 in mortgages. She works with homebuyers, homeowners, and Realtor partners across South Florida, Broward County, Central Florida, and the Orlando area. Her focus is qualification, income calculation, loan programs, down payment assistance, and cash to close — explained plainly, with the numbers in front of you. As a licensed Florida Realtor® with United Realty Group, she also understands the property and contract side of the same purchase.
Follow Tanesha on Instagram, Facebook, YouTube, and LinkedIn
Hometown Financial Group, LLC DBA Modus Mortgage · Company NMLS #1028232 · Tanesha Tomlinson NMLS #1540854 · Florida Real Estate License #SL3524613 (United Realty Group) · Equal Housing Lender. Licenses can be verified on NMLS Consumer Access and the Florida DBPR license portal. Content is educational only and is not a commitment to lend.
Last updated September 30, 2026
Information and tools on this website are educational only and should not be considered individualized financial, legal, or tax advice. Estimates are not a pre-approval, loan approval, or commitment to lend. Mortgage approval, rates, APRs, payments, taxes, insurance, closing costs, and loan terms are subject to borrower qualifications, property information, applicable loan-program requirements, and underwriting. This website disclaimer does not replace Modus Mortgage's official disclosures.
