Buying or selling? Call (904) 803-1764
LANCE SHERIDANHOMES · NORTHEAST FLORIDA

PLAN FOR THE WHOLE PAYMENT

What will your home
really cost each month?

Adjust the numbers to see the mortgage and the costs around it. Start with an example, then replace each amount with a property-specific estimate.

All starting values are illustrative—not current rates, community fees, tax estimates, or insurance quotes. This calculator does not determine loan eligibility.
01 · Your home & financing
Use the full purchase price, including your selected lot and options.
Example rate only. Replace with your lender’s note rate, not APR.
Only fees actually added to the loan. Do not also include them in cash closing costs.
02 · Taxes, insurance & community costs
Enter a new-owner estimate EXCLUDING CDD and other assessments entered below. Do not assume the seller’s tax bill will stay the same.
Zero is an example, not a determination that flood insurance is unnecessary.
Convert annual or quarterly dues to monthly before entering.
Include debt and operations/maintenance. Enter separately from property taxes so it is counted only once.
Enter your lender’s PMI, MIP, or other monthly loan-insurance amount. It is not calculated automatically.
Only charges not already included in taxes, HOA, or CDD.
03 · Everyday ownership & upfront costs
Your planned savings for repairs; not a lender charge or a guarantee of actual costs.
Include your own estimate for power, water, internet, lawn care, or other services.
Optional net amount from your lender/title estimate, excluding down payment and financed fees. Zero means not budgeted here.

Use better inputs for a better estimate.

Florida property taxes

A change in ownership can change assessed value and exemptions. For new construction, a land-only tax bill can understate completed-home taxes. Obtain an estimate for the finished home and your circumstances. Homestead and portability are not calculated here.

Florida homeowner tax guidance ↗

Avoid counting CDD twice

CDD and other assessments may appear on the tax bill. This calculator uses separate inputs: remove those amounts from your property-tax figure when entering them in the CDD or other-assessments fields.

Explore community guides →

Know the limits

The mortgage calculation assumes a fixed rate, monthly payments, and full repayment over the selected term. It does not model adjustable rates, temporary buydowns, balloons, future increases, or mortgage-insurance cancellation. Annual totals are the current monthly budget multiplied by 12.

Understand payment components ↗

Budgeting estimate only. Closing costs, credits, escrow deposits, and prepaid items must be confirmed with your lender and title company. Sources reviewed October 8, 2026.