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What could buying a home look like?

Start with the monthly payment. Then see how a program could change the upfront cost.

Estimated monthly housing payment

Without assistance

$2,532 / month

$325,000 home · 5.0% down · 6.65% · 30 years

Unconfirmed starting example. Not a lender quote. Starting benchmark: 6.65% on August 20, 2026; your rate input is 6.65%.

See every monthly cost

Cash needed to buy

$26,000

Down payment + estimated closing costs

With $18,000 available, $8,000 more is needed.

See the cash breakdown

Taxes, insurance, mortgage insurance, and HOA

Property-tax rate% a yearHomeowners insurancea yearHOA or condo feea month

Mortgage insurance is included automatically when the down payment is under 20%.

Starting example rate: 6.65% dated August 20, 2026. This is not today's rate. View the benchmark.

Compare one program here without losing your calculator entries. This is a what-if estimate, not an eligibility decision.

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Estimates are for planning. They are not a loan offer, approval or financial advice. Your actual rate and property costs will differ.