Home Financing
Mortgage Calculator
Estimate your monthly payment for any home price. Includes taxes, insurance, PMI, and supports Conventional, FHA, VA, and USDA loans.
Home Price
$
$50K$800K
Loan Type
Standard loan backed by Fannie Mae or Freddie Mac. Best rates with 20%+ down.
Loan Term
Down Payment
20%$50,000
Annual Property Tax
$
Pulaski County avg: ~1% of value/yr
Estimated Monthly Payment
$1,656
per month
Principal & Interest
$1,331Property Tax (est.)
$200Homeowner's Insurance
$125$200K
Loan Amount
$50K (20%)
Down Payment
$279K
Total Interest
$6K
Income Needed/mo
Estimates only — not a loan commitment. Rates change daily.
Understanding Your Options
Which Loan Is Right for You?
Conventional Loan
Standard loan backed by Fannie Mae or Freddie Mac. Best rates with 20%+ down.
Best For
Buyers with good credit and 10–20%+ down payment.
Advantages
No upfront mortgage insurance with 20% down
PMI cancellable at 20% equity
Wide range of lenders and products
No income or geographic limits
Considerations
Higher credit score requirements (typically 620+)
PMI required if down < 20%
Stricter debt-to-income limits
Helpful Links
Mortgage Resources
Current Mortgage Rates
Live national averages by loan type
VA Loan Eligibility
Check your VA benefit eligibility
USDA Eligibility Map
See if your property qualifies
FHA Loan Limits
FHA limits by county
BAH Calculator
Housing allowance by rank & location
CFPB Loan Explorer
Compare lenders and rates
VA Certificate of Eligibility
Apply for your VA COE
Mortgage Calculator (CFPB)
Government mortgage tool
SCRA Protections
Rights for active-duty service members
Ready to Move Forward?
Get Pre-Approved Today
A pre-approval letter shows sellers you're serious — and gives you confidence to make offers quickly in a competitive market.