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FLORIDA MORTGAGE CALCULATOR

Calculate Your Estimated Payment, Rate and Cash to Close.

Use your home price, down payment, credit range and loan type to see an estimate built around your scenario—not a generic calculator.

Enter Your Purchase Price and Preferred Loan Type

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.

Loan type

This calculator assumes a one-unit property in Orange County, Florida. Loan limits and costs may differ in other counties.

Updating your estimate…

Free to use. No application, Social Security number or credit pull required.

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FLORIDA MORTGAGE RATES

TRANSPARENT PRICING. EXPLORE THE RATE OPTION THAT BEST FITS YOU.

Compare rates closest to par with lower-rate options that include discount points.

RATE SCENARIO

Conventional · $750,000 purchase · 25% down · $562,500 loan30-year fixed · 780–799 · Primary residence · Florida · 30-day lock · Pricing effective 08/10/2026
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 effective
08/10/2026
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.

Most common starting option

30-YEAR FIXED

Closest to Par

Pricing closest to $0 in points or lender credit.

RATE6.499%APR6.557%Estimated principal & interest$3,555/moDiscount points: 0.124

30-YEAR FIXED

Lower Rate

A lower rate bought down with discount points.

RATE6.250%APR6.405%Estimated principal & interest$3,463/moDiscount points: 1.147

Need help comparing these options?

Pricing effective 08/10/2026 · 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 monthly total$4,555

Cash 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$697Estimated cash to close$200,662

Loan 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 lockPoints0.124 points · $697Rate6.499%APR6.557%Pricing effective08/10/2026Pricing selection methodClosest available to par

Option comparison

Additional upfront cost$5,716Monthly principal-and-interest difference$92Estimated break-even63 months

Break-even is the approximate time needed for the lower monthly payment to recover the added upfront cost.

Advertised terms

30-year fixed · 360 monthly P&I payments · 25% down · Taxes and insurance estimated · HOA excluded unless entered · 30-day lock · Pricing effective 08/10/2026 · 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.

FAST WHEN IT MATTERS

FAST CLOSINGS IN AS LITTLE AS

14business days

With a complete file and a responsive team, eligible loans may close in as little as 14 business days. Not a guarantee.

BETTER RATES. BETTER SERVICE. BUILT TO MOVE QUICKLY.

With a complete file and a responsive team, eligible loans may close in as little as 14 business days.

START HERE

WHAT ARE YOU PLANNING?

Choose your path to explore payments, loan options and next steps—without starting an application.

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Buying a Home

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Refinancing

See whether a new loan could lower your payment, shorten your term or help you access equity.

LOAN OPTIONS

FIND THE RIGHT LOAN FOR YOUR NEXT MOVE.

Compare Conventional, FHA and VA financing for your next home.

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    Conventional Loans

    Flexible financing for primary homes, second homes and investment properties, including eligible 3% down options.

    Down payment, mortgage insurance and eligibility requirements vary.

  2. A couple celebrating in the kitchen of their first home

    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.

  3. An older couple embracing on the porch of their home, an American flag displayed beside them

    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.

  4. Programs are subject to credit approval, eligibility, property requirements and change without notice. This is not a commitment to lend.

BORROWER OUTCOMES

THE NUMBERS GET YOU HERE. THE EXECUTION GETS YOU CLOSED.

Real borrowers. Real closings. See what clients say across the web.

“He beat even the most competitive offer from other banks and helped us lock a rate before they shot up.”

“Worked with Shahram for our mortgage. He did a fantastic job. He beat even the most competitive offer from other banks and helped us lock a rate before they shot up. Super communicative and willing to answer all my questions. Overall a very easy experience and we were very pleased with his professionalism and expertise.”

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“His experience and years of expertise helped greatly move my first home buying experience along smooth and simple.”

“Shahram and his group are fantastic. Quick working, straight to it! His experience and years of expertise helped greatly move my first home buying experience along smooth and simple. Will refer him to all friends and family”

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MORTGAGE TOOLS

Mortgage tools built for real decisions.

Check rates, estimate payments, explore what fits your budget and determine when refinancing actually makes sense.

  • BuyingRefinancing
    Loan type
    Term
    Credit range
    Check current pricing

    Pricing appears after your scenario is checked.

    Live Rate Tool

    Compare loan structure, see real planning numbers, and understand how payment and cash to close change based on your scenario.

    Open Rate Tool

  • Mortgage Payment Calculator

  • Home Affordability Calculator

  • Rate Horizon

    Refinance Break-Even Calculator

MORTGAGE QUESTIONS

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Common mortgage questions

Clear answers to the questions Florida borrowers ask most.

  • How much down payment do I need?

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  • Can Mortgage Expert help with both buying and refinancing?

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YOUR NEXT STEP

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