Mortgage Calculator

Know what you can afford (before you fall in love with the house).

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Use this Mortgage Calculator to estimate your total monthly mortgage payment, including principal, interest, taxes, insurance, and HOA dues.

Just plug in your expected home price, down payment, interest rate, and term to get a realistic look at your monthly costs.

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 qualifying Heroes & 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.

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Flexible Mortgages. Local Experts. Real Answers.

At City & County Credit Union, we combine personalized service with low-cost options to make homeownership more attainable.

  • Down payments as low as 3% (or 1% for Heroes & Experts)
  • No prepayment penalties or hidden fees
  • Local mortgage pros to help from pre-approval to closing
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Take the First Step Toward Homeownership

Estimate your monthly payment, then start your application online to get pre-approved quickly and confidently.

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Mortgages Guide
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