Purchase Calculator | NetRate Mortgage

NetRate Mortgage

Purchase Calculator

Conventional · 30-yr fixed

Three tier choices priced live for your scenario. Compare side-by-side — no hidden fees, no “click for rate.”

Live · —

Your scenario

Sample scenario shown. Edit any field below to see your numbers, then click Get rates and run scenario.

Home price

Down payment

$22,500 down · $427,500 loan · PMI applies

Loan programConv rates only at this time

OccupancyProperty type

Credit (FICO)

State

Annual income

Other monthly debtscar / student / cc min

Property tax

$/yr

Annual insurance

Monthly HOA

First-time homebuyer(may affect pricing)

Loan termCounty (optional)

Affordability

Max affordable home

at 45% DTI, par rate

Three ways to take this rate$427,500 loan · conventional 30-yr fixed · 740 FICO · 5% down · CO

Get pre-approved →Talk to a loan officer

Monthly payment breakdown

Select a tier

Principal & interest

Property tax

Insurance

PMI

HOA$0

Total / month—

Why we show all three

Each tier trades rate against upfront cost differently. Credit takes a higher rate so the lender pays toward closing. Buy Down pays points up front for a lower rate and lower monthly. Par sits in the middle — no points, no credit. Pick the one that fits how you'll close.

Estimate only. Rates from today's lender pricing for a conventional 30-year fixed purchase, priced for your credit profile and property. Cash to close is estimated at ~3% closing costs — actual fees vary by loan program, state, and lender. Talk to a loan officer for exact numbers. NetRate Mortgage is a licensed mortgage broker — we shop lender pricing on your behalf. NMLS #1111861.