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Florida Mortgage Calculator

The real monthly cost of a Florida home: loan payment, property tax with the homestead exemption, homeowners and flood insurance, HOA dues and mortgage insurance. Then plan extra payments, check what you can afford, compare loans and see Florida's closing taxes.

THIS IS FLORIDAFL-26 MORTGAGE
SUNSHINE STATEEST. MONTHLY COST

Press a key like PRICE or RATE, type the number, then ENTER. On a computer you can use your keyboard. Every number is also in the form below.

Fine-tune every number

Home and loan

Percent on the left, dollars on the right. Change either.

Use the rate from your lender's quote.

Florida property tax

1 mill = $1 per $1,000 of taxable value. Find it on the TRIM notice or the tax bill.

Lets the calculator apply the second homestead exemption, which doesn't cover school taxes.

After a sale the assessed value usually starts near market value. Lower it only if the appraiser's figure is lower.

Moving from a Florida homestead? You may carry its Save Our Homes savings (up to $500,000) to the new one. Your old county's property appraiser can estimate it.

Listings show the seller's bill. We'll show how much yours could change.

Insurance, dues and closing

Many newer Florida communities have a Community Development District fee, and some areas add trash or stormwater charges. They're on the tax bill but not based on value.

Conventional loans with under 20% down. FHA, VA and USDA fees are filled in from the official tables.

Pay it off faster (optional)

26 half-payments a year add up to one extra monthly payment. Check that your lender applies them to principal.

Over the life of the loan

Cash to close (estimate)

Please note: This is an estimate for planning, not a loan offer and not financial, tax or legal advice. Lenders, insurers and your county set the real numbers; your Loan Estimate shows the exact costs. Property taxes depend on the assessed value and the rates your local governments adopt each year. Facts were checked against official sources on . Nothing you type leaves your device.
Realtor, lender, insurance agent or inspector in Florida? Get found by the buyers running these numbers. One $8 This Is Florida passport works both ways, for members and businesses, and you keep your own prices. Ask us about a listing.