Showing details below
30-YEAR FIXED
Closest to Par
Pricing closest to $0 in points or lender credit.
RATE6.499%APR6.550%Discount points: 0.058Estimated principal & interest$3,555/mo30-year fixed · Approximately 360 monthly P&I payments of $3,555.
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FIRST-TIME BUYER mortgage optionsDSCR investor loanFHA mortgage optionsVA mortgage optionsJUMBO mortgage optionsCONVENTIONAL mortgage options
FIRST-TIME BUYER mortgage optionsVA mortgage optionsFHA mortgage optionsJUMBO mortgage optionsDSCR investor loanCONVENTIONAL mortgage options
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Florida Mortgage Calculator
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We’ll combine these answers with your down payment, credit range and property details to show your estimated payment, rate, APR and cash to close using current available pricing.
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- Estimated initial monthly payment
- Rate and estimated APR
- Estimated cash needed
This calculator assumes a one-unit property in Orange County, Florida. Loan limits and costs may differ in other counties.
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FLORIDA MORTGAGE RATES
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Compare rates closest to par with lower-rate options that include discount points.
RATE SCENARIO
Conventional · Purchase · $750,000 · 25% down · $187,500 · $562,500 loan · 30-year fixed · 780–799 · Primary residence · Florida · 30-day lock
- Program
- Conventional
- Purchase price
- $750,000
- Down payment
- $187,500 · 25%
- Base loan
- $562,500
- Credit range
- 780–799
- Property use
- Primary residence
- Purpose
- Purchase
- Term
- 30-year fixed
- Lock period
- 30-day lock
- Location
- Orange County, Florida
- Pricing source effective
- 08/21/2026
- Pricing last checked
- 08/21/2026
- Mortgage insurance
- None at this loan-to-value
This scenario illustrates the pricing shown. Edit the scenario to personalize the results. It is not an approval, commitment to lend or rate lock.
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30-YEAR FIXED
Lower Rate
A lower rate bought down with discount points.
RATE6.250%APR6.399%Discount points: 1.085Estimated principal & interest$3,463/mo30-year fixed · Approximately 360 monthly P&I payments of $3,463.Principal and interest excludes property taxes, homeowners insurance and any applicable mortgage insurance; the estimated total includes modeled property taxes, homeowners insurance and applicable mortgage insurance, and excludes HOA/CDD dues and flood insurance unless entered. Rates and pricing may change and may not be available at commitment or closing. Illustrative Florida estimates — not a rate lock.
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Pricing last checked 08/21/2026 · Illustrative Florida estimate—not a commitment to lend or a rate lock.
Showing: Closest to Par. Select the other card to see its details.
Monthly payment
Principal & interest$3,555Property taxes$625Homeowners insurance$375Estimated initial monthly payment$4,555Cash needed at closing
Down payment$187,500Lender fees$1,150Settlement$1,525Title$350Florida documentary stamp tax$1,969Florida intangible tax$1,125Estimated closing costs$6,119Prepaid interest$1,002Property-tax escrow$2,344Homeowners insurance escrow$600First-year homeowners insurance$2,400Deed documentary stamps$0Prepaids and escrow setup$6,345Discount points$326Estimated cash to close$200,290Loan and pricing details
Loan purposePurchasePurchase price$750,000Down payment25% · $187,500Base loan amount$562,500Total financed loan$562,500Payment calculated onBase loan amountProperty taxes (annual)$7,500 · Florida planning defaultHomeowners insurance (annual)$4,500 · Florida planning defaultTerm30-year fixedCredit range780–799OccupancyPrimary residenceProperty typeSingle-familyStateFloridaLock period30-day lockPoints0.058 points · $326Rate6.499%APR6.550%Pricing source effective08/21/2026Pricing last checked08/21/2026Pricing selection methodClosest available to parOption comparison
Additional upfront cost$5,739Monthly principal-and-interest difference$92Estimated break-even63 monthsBreak-even is the approximate time needed for the lower monthly payment to recover the added upfront cost.
Advertised terms
30-year fixed · Approximately 360 monthly P&I payments of $3,555 · 25% down · Taxes and insurance estimated · HOA excluded unless entered · 30-day lock · Pricing source effective 08/21/2026 · Florida planning estimate — not a commitment to lend or a rate lock
Important disclosures
No private mortgage insurance applies at this loan-to-value.
Estimated cash needed at closing is the full amount due at closing — the down payment, estimated closing costs, prepaids and escrow setup, and any discount points or lender credit. It is more than closing costs alone. HOA dues are not included in the estimated monthly payment unless you enter them; this pricing model does not estimate them.
Florida properties only. Planning estimates from the imported Florida mortgage pricing for the scenario shown, which can change until a rate is locked. Not a loan approval, a commitment to lend, or a rate lock. Final terms depend on a complete application, underwriting, credit, income, assets, property type, appraised value and program eligibility.
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With a complete file and a responsive team, eligible loans may close in as little as 14 business days. Not a guarantee.
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With a complete file and a responsive team, eligible loans may close in as little as 14 business days.
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LOAN OPTIONS
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Compare Conventional, FHA and VA financing for your next home.
01 · 1 of 3
Conventional Loans
Flexible financing for primary homes, second homes and investment properties, including eligible 3% down options.
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02 · 2 of 3
FHA Loans
Eligible borrowers may purchase a primary home with as little as 3.5% down.
Mortgage insurance applies. Eligibility and lender requirements vary.
Government-backed financing with flexible credit and down-payment guidelines.
03 · 3 of 3
VA Loans
Eligible veterans, service members and surviving spouses may purchase a primary home with 0% down and no monthly mortgage insurance.
VA eligibility and funding-fee rules apply.
Programs are subject to credit approval, eligibility, property requirements and change without notice. This is not a commitment to lend.
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