Free Ownership Analysis
True Cost of Ownership
See what a home really costs beyond the mortgage — taxes, insurance, HOA, utilities, PMI, and maintenance — plus equity growth over time.
True monthly cost
$3,650.44/mo
Mortgage only: $2,275.44/mo (+$1,375.00 in other costs)
Affordability (28% rule)
Above recommended limit
Housing is 36.5% of gross income ($3,650.44 of $10,000.00)
28% guideline
≤ $2,800.00/mo
Monthly breakdown
- Mortgage (P&I)$2,275.44
- Property taxes$400.00
- Home insurance$150.00
- HOA$200.00
- Utilities$250.00
- Maintenance reserve$375.00
Equity projection
Based on 3.0% annual appreciation.
Year 1
$107,524
Home value $463,500 · Loan $355,976
Year 5
$184,674
Home value $521,673 · Loan $337,000
Year 10
$299,568
Home value $604,762 · Loan $305,194
Year 20
$612,355
Home value $812,750 · Loan $200,395
Hidden costs
Costs buyers often overlook at closing and after move-in.
PMI
Not required at this down payment
$0
Maintenance reserve
Budget ~1% of home value annually
$375.00/mo
Closing costs
Estimated at 3% of purchase price
$13,500
Total upfront cash needed
$103,500
Down payment $90,000 + closing costs $13,500
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