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The Villages FL Mortgage Calculator

Use The Villages Florida Mortgage Calculator to estimate your monthly mortgage payment, including taxes and insurance. Enter your Home Price and Down Payment in the fields below. Our Mortgage Calculator will have an estimate of your monthly payment.

The Villages FL Mortgage Calculator

The Villages Mortgage Calculator 

Obtaining home financing is a complex process with many steps. Choosing the home financing program can be very costly to a home buyer if the right decisions are not made. Estimate how much your monthly payment will be using our home mortgage payment calculator.

  • Interest rate: The interest rate is the percentage of your loan amount we charge you to borrow money.
  • Discount points: One point equals 1% of your mortgage amount. Points may lower your interest rate.
  • Origination charge: All charges, other than discount points, that all loan originators (lenders and brokers) involved receive such as fees, document preparation, and underwriting.
  • Loan term: Your loan term is the amount of time you have to pay off your mortgage balance. Shorter loan terms typically mean higher monthly mortgage payments, but often have lower interest rates and thereby end up costing you less money overall.
Your total payment will be
Purchase Price
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Down payment
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Term (years)
Interest rate
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So, you want to buy a home … but you’re not sure how much house you can afford. Maybe you’re not sure if you can afford to buy one at all.

Well, we’ve got finding a realistic price tag down to just a few steps, and you don’t even have to do any math. If you already know your basic budget numbers, it might take you as little as 30 seconds.

Use our Affordability Calculator to determine how much house you can afford. By entering details about your income, down payment, and monthly debts, you can estimate the mortgage amount that works with your budget.

How much money do you have to work with?

Find your basic dollar figures and note them. You’ll be plugging them into the calculator in a few minutes. Before you buy a home, it’s critical that you put together a sound budget. If you haven’t already done that, download our monthly budget worksheet to get started. But for this exercise, you need just four numbers:

$ Monthly housing expense
What are you paying right now in rent? Would you be comfortable paying more? Comfortable is the key word. Remember that as a homeowner, you’ll need to continually save for ongoing maintenance and repairs, and chances are, you’ll still want to go out for sushi burritos once in a while.

$ Gross annual income
Include only what the earners in your household can really count on, before taxes.

$ Monthly debt payments
Add it all up. You’re paying more than the minimum on any credit card debt, right? (We’ll show you the math on that some other time.)

$ Down payment
How much have you saved for a down payment? Twenty percent is great, because you won’t have to add mortgage insurance to your monthly expenses. Yet 20 percent is definitely not the norm. Some loan First-Time Home Buyer Programs let you put as little as 3 percent down available.


Ready for Next Steps?

Because you don’t know what you don’t know, and when our Home Buyer Experts work with you, you’ll make decisions with confidence every step of the way. 


Unable to afford a home...yet?

Remember, almost every homeowner was in that place at some point. Your next step is to make a plan for shifting the balance in your favor.

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You've estimated your affordability, now get pre-qualified by a local lender to find out just how much you can borrow.

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*Assumes 2.799% APR, 20% down payment, and conforming 30-year fixed rate first mortgage on a single family, primary residence. The monthly payment you enter includes only principal and interest. Additional required amounts such as taxes, insurance, home owner association dues, assessments, mortgage insurance premiums, flood insurance or other such required payments should also be considered. Not all individuals will qualify for a mortgage loan based on the payment entered. Rates cited are for instructional purposes only; current rates are subject to change at any time without notice.  **Posted APR is based on Mortgage Assumptions
 
Copyright © 2021 Fidelity Home Group supports Equal Housing Opportunity | All Right Reserved  | NMLS Identifier 1834853. Fidelity Home Group is not affiliated with the Department of Housing and Urban Development (HUD) or the Federal Housing Administration (FHA). Not intended for legal or financial advice, consult your own professionals if such advice is sought. Accessibility Statement  | Consent to Receive Electronic Loan Documents  |  Cookies Policy   |  Disclosures  | Email and Mobile PolicyFair Lending Policy  |  Mortgage Assumptions  |  NMLS Consumer Access  |  Privacy Policy  |  Terms of Use 

Fidelity Home Group | The Villages FL
4076 E, FL-44, Wildwood, FL 34785

Hours of Operation:

Monday - Friday 8am to 7pm EST
Saturday - Sunday 10am to 6 pm EST

DISCLAIMER: The Villages is a federally registered trademark of the Holding Company of The Villages, Inc. This mortgage corporation is not affiliated with, or sponsored by, the Holding Company of The Villages, Inc. or its affiliated entities. All references to "The Villages" on this website primarily refer to The Villages Community known as The Villages Florida.