Mortgage Calculator

Mortgage calculator

Estimate your monthly payment

Adjust the home price, down payment, rate and term to see an estimated monthly payment, including property taxes, insurance and HOA dues. Coastal homes can carry higher insurance costs, so ask your lender and insurance agent for quotes on a specific property.

Home price ($) Down payment (%) Interest rate (%) Loan term (years) Property tax ($ per year) Home insurance ($ per year) HOA dues ($ per month)

Estimated monthly payment

Principal & interest: $0
Property tax: $0
Home insurance: $0
HOA dues: $0
Loan amount: $0

Estimates only. Your actual rate, taxes, insurance and payment will depend on your lender and property.

Next step

Get pre-approved

A lender's pre-approval tells you how much you can borrow and shows sellers you're a serious buyer. Read the buyer resources for the full process.

Find homes in your budget

Use the advanced property search to filter by price, or ask Joe about lenders he works with.

Joe Huggins

Joe Huggins is a native of North Carolina and has made his home in Brunswick County since 2018. He is a retired Lieutenant Colonel from the U.S. Army with over 29 years of service, a member of the Oak Island Moose Lodge, and the American Legion Post 543. He enjoys kayaking, gardening, and riding his motorcycle in his spare time. Joe obtained his broker license in 2023 and was named St. James Properties’ Rookie of the Year in 2024. He has accreditations as a Seniors Real Estate Specialist (SRES), Military Relocation Professional (MRP), and Accredited Buyer’s Representative (ABR). Joe’s attention to detail, dedication, and desire to serve each client’s individual needs make the buying or selling process as easy as possible while getting them the most value for their money. His markets include all of Coastal NC, with a concentration in Brunswick County, one of the fastest-growing housing markets in the country.

Learn More

How much is your home worth?

Get instant property value now!