Skip to main content
Royal United Mortgage
Get Started

Estimate what a purchase scenario could look like.

Use a directional estimate to pressure-test home price, down payment, and monthly payment before starting a real conversation.

Purchase estimate

Adjust the numbers to fit your scenario.

Adjust home price, down payment, rate, and carrying costs to see a directional monthly picture. Numbers are estimates, not approvals.

Home and financing

Shape the purchase scenario.

Home price

Use a target purchase price.

$425,000
$150k$1.5M

Down payment

Enter a dollar amount or a percent of the home price.

$42,500 ยท 10%
$0$213k
$

Interest rate

Directional rate assumption.

6.5%
49

Term

Longer terms lower payment, shorter terms build equity faster.

30 years
1030

Annual taxes

Use a directional annual property tax number.

$4,800
$1k$18k

Annual insurance

Directional annual homeowner's insurance.

$1,800
600$6k

Purchase vs rent

Compare the ownership estimate with current rent.

Current monthly rent

Use your current or target rent payment for a directional comparison.

$2,450
900$6k

Assumptions

Direction only. Taxes, insurance, and mortgage insurance can shift the total payment.
No HOA, maintenance, utilities, or seller credit assumptions are included.
Real product fit depends on occupancy, credit, reserves, and the full file.
Use the lead funnel when you want this estimate translated into real options.

Snapshot

$2,968

Estimated monthly housing payment

Principal, interest, estimated taxes, and estimated insurance. This does not include HOA, maintenance, or mortgage insurance.

Purchase snapshot

Estimated results

Estimated loan amount

$382,500

Principal and interest

$2,418

Estimated monthly principal and interest only.

Taxes and insurance

$550

Combined monthly estimate for taxes and insurance.

Down payment

10.0%

$42,500 down on $425,000.

This estimate is directional. Real options depend on product type, occupancy, taxes, insurance, credit, and the full application.

Compare

Purchase vs rent

This directional view compares monthly housing cost with current rent and shows how much principal may be paid down over five years.

Estimated ownership payment

$2,968

Current monthly rent

$2,450

Monthly difference

Ownership estimate is above current rent.

+$518

Principal paid in 5 years

$24,438

Down payment plus principal after 5 years

Excludes any market appreciation assumptions.

$66,938