Florida Mortgage Calculator: PITI, PMI & HOA | Ronald Cepeda
Advanced Mortgage Calculator

Your full monthly payment, broken down.

Principal, interest, taxes, insurance, PMI and HOA — the complete picture, not just principal and interest. Adjust any field to see your real cost of ownership.

📅 Schedule a Free Consultation
15 minutes on Zoom · English y Español · No pressure, just answers
Pro Mortgage Calculator

Run your numbers like a pro

Full payment breakdown, PMI logic, amortization schedule, and an extra-payment strategy tool.

% 
National average 30-yr fixed: 6.65% per Freddie Mac PMMS (Aug 20, 2026). Your rate may vary based on credit, loan type & program.
Defaults to 1.75% of home price per year ÷ 12. Adjust to your county's actual amount.
Rule of thumb: about 0.1% of the purchase price per month. Adjust to your actual quote.
Estimated Total Monthly Payment
$2,800
P&I$0
Taxes$0
Insurance$0
PMI$0
HOA$0
$360,000
Loan Amount
$0
Total Interest
2056
Payoff Year
80%
Loan-to-Value
💰 Extra payments save $0 in interest and pay off the loan 0 years sooner.
YearPrincipalInterestBalance

This is not a commitment to lend or an offer of credit. This calculator is a marketing tool for illustration purposes only — results are estimates, not quotes. All loans subject to credit approval. PMI auto-applies under 20% down and drops at 80% LTV in the schedule. Actual rates and costs depend on credit, program, and property. Contact Ronald for an exact quote.

Rent vs Buy

Should you keep renting?

Compare what renting really costs over time against owning — including the equity you build with every payment.

National average 30-yr fixed: 6.65% per Freddie Mac PMMS (Aug 20, 2026). Your rate may vary based on credit, loan type & program.
Defaults to 1.75% of home price per year ÷ 12. Adjust to your county's actual amount.
Rule of thumb: about 0.1% of the purchase price per month. Adjust to your actual quote.
The Verdict
—
RENT
—
OWN
—
Monthly cost today (own = P&I + your tax & insurance + MI if under 20% down)
Rent paid over 7 yrs—
Own: payments over 7 yrs—
Equity you’d build (principal)—
Own cost net of equity—
Talk Through Your Numbers
Simplified estimate for comparison only. Excludes maintenance, appreciation, rates & taxes vary. Not a loan offer or commitment to lend.