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Mortgage
Calculator
Know what you can afford (before you fall in love with the house).
Mortgage Payment Basics
What should I know before using this calculator?
For the most accurate estimate, be sure to include property taxes, homeowners insurance, and any monthly HOA dues. These costs are often overlooked but significantly impact your monthly payment.
What’s considered a good down payment?
While 20% is a common benchmark, CCCU offers mortgage options with as little as 3% down (or even 1% for qualifyingHeroes & Experts). A larger down payment may lower your monthly costs, but it’s not required to move forward.
Can I include taxes and insurance in my mortgage payment?
Yes. Many mortgages include property taxes and homeowners insurance in the monthly payment through an escrow account, so you don’t have to manage them separately.
Before You Tour a House...
Our free mortgage guide covers getting pre-approved, down payments as low as 3%, and what to expect at the closing table, so you can tour homes knowing what you can afford.
Stuck Between Two Mortgage Options?
Put two mortgage options side by side, like a 15-year term against a 30-year term or a lower rate against fewer points, and see how your monthly payment and total interest compare over the life of the loan.
Take the First Step Toward Home Ownership
Estimate your monthly payment, then start your application online to get pre-approved quickly and confidently.