The full purchase price of the home before any down payment. Enter the amount you expect to pay for the property, including any adjustments from negotiations.

The percentage of the home price you plan to pay upfront. A larger down payment (20% or more) eliminates the need for PMI and reduces monthly payments. Typical range: 3.5% to 20%+

The number of years you'll take to repay the loan. Common terms are 30 years (lower monthly payments) or 15 years (less total interest but higher monthly payments).

The annual interest rate for your mortgage. This rate depends on your credit score, market conditions, and loan type. Enter as a percentage (e.g., 6.5 for 6.5%).

Annual property taxes as a percentage of your home's value. This varies by location but typically ranges from 0.5% to 2.5%. Check local tax rates or recent property tax bills for accuracy.

Annual homeowner's insurance cost as a percentage of home value. Typically ranges from 0.25% to 0.5% depending on location, coverage, and risk factors.

Private Mortgage Insurance, required for down payments under 20%. Usually ranges from 0.5% to 1.5% of the loan amount annually. This can be removed once you reach 20% equity.

Monthly Homeowners Association fees if buying in a managed community. These cover maintenance of common areas, amenities, and sometimes utilities. Enter the monthly amount.

Additional monthly expenses such as utilities, maintenance, repairs, or special assessments. Consider budgeting 1-3% of home value annually for maintenance.