Analyze
True Monthly Cost
Pick a property, import one, then adjust the few numbers lenders and owners actually argue about.
Property
Start from a saved or imported property
Imported facts fill the form. Every field below stays editable.
Numbers
Monthly stack
The property fills these in first. Override anything that looks wrong.
Saved properties are available in Cash to Close and other tools.
Decision
MAYBEExplainable estimate
True Monthly Cost
The real monthly cost is about $3,249.03.
This stacks payment, tax, insurance, HOA, PMI, maintenance, and utilities into one monthly number so the purchase does not look cheaper than it is.
Assumptions
Down payment:20%Loan term:30 yearsRate:6.5%
Estimates only. Confirm the final numbers with your lender, insurer, and title company.
Run State
Live run
Current inputs are synced to the live tool API.
Monthly total
$3,249
Cash needed
$97,000
Down payment plus closing estimate.
P&I
$2,149
Principal and interest only.
Loan amount
$340,000
Purchase price minus the down payment.
Breakdown
Monthly stack
| Item | Monthly |
|---|---|
| Down payment | $85,000 |
| Loan amount | $340,000 |
| Principal & interest | $2,149.03 |
| Property tax | $350 |
| Insurance | $150 |
| HOA | $0 |
| PMI | $0 |
| Maintenance | $350 |
| Utilities | $250 |
| Total monthly cost | $3,249.03 |
| Estimated cash needed | $97,000 |