Home Buying True Cost Calculator
The mortgage is just part of the story. See your complete first-year cost including closing costs, PMI, taxes, insurance, HOA, and maintenance — all in one place.
Purchase Details
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Closing Costs
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Ongoing Annual Costs
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Year-One True Cost of Buying
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beyond mortgage principal · updates as you type
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Data sources & methodology:
Closing cost rates from CFPB Loan Estimate data and lender surveys. Property tax rates from Tax Foundation 2024.
PMI rates from Urban Institute. Maintenance estimates from Harvard Joint Center for Housing Studies.
Results are estimates for informational purposes only — not financial or legal advice.
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