Mortgage Payment Calculator
Your real monthly mortgage payment is four parts, not one: principal and interest, property taxes, homeowners insurance, and HOA or CDD fees. Enter your numbers below to see the full PITI payment — before you fall in love with a price.
Your numbers
Enter a rate from a quote you’ve received — Douglas produces your exact rate on review.Duval-area estimate: 1.10% of price. Edit this to match your property.Florida policies vary widely — planning estimate.Your estimated payment
Loan amount:
Principal & interest / mo:
Taxes / mo: • Insurance / mo: • HOA / CDD / mo:
Escrow portion (taxes + insurance): per month, collected with your payment.
Estimate only. Taxes, insurance and HOA/CDD vary by property. Douglas produces your exact rate on review.
How this calculator works
Principal and interest are calculated from the loan amount, rate and term. Taxes, insurance and HOA/CDD are divided or added monthly. This is a planning estimate, not a quote or commitment to lend. Note revised November 2026.
Why Florida payments surprise buyers
Many buyers shop by price alone, then discover taxes and insurance add hundreds a month. In Duval County, taxes near 1.10% of price are a useful starting point, but the exact bill depends on the property, exemptions and the taxing district.
Florida homeowners insurance is the bigger swing factor. Carriers, roof age, flood zone and coverage choices can move the premium sharply, so a planning estimate of $3,600 a year may be far from your final policy. Some communities also add HOA or CDD charges that are easy to miss in a listing.
That is why this calculator shows every part separately: change one line and the total tells the truth.
Frequently asked questions
Is the rate I enter my actual rate?
No. Enter a rate from a quote you have received. Douglas produces your exact rate on review, based on credit, program, property and market conditions.
Why is my payment higher than principal and interest alone?
Taxes and insurance are usually collected monthly into escrow and paid on your behalf. HOA or CDD fees add on top in many Florida communities.
How are Duval County taxes estimated?
This page starts at 1.10% of the home price per year. Replace it with the property's actual tax figure or an estimate for the specific parcel.
Why does Florida insurance vary so much?
Roof age, construction, flood zone, claims history and coverage choices all matter. Get a real quote before you finalize a budget.
Does a shorter term save money?
Usually, yes, in total interest — but the monthly payment rises. Try 20 and 15 years above to compare.
Is this a quote or approval?
No. This is a planning estimate only and is not a commitment to lend or a guarantee of financing.
You work directly with Douglas — no call center, no hand-offs.
“If you’re a veteran looking to buy a home, I can’t recommend Douglas highly enough. As a fellow Marine veteran, he truly understands every aspect of the VA home loan process and knows how to navigate it from start to finish. His knowledge, professionalism, and commitment to serving veterans are second to none. What really sets Douglas apart is that he’s much more than just a mortgage loan officer. He works seamlessly with your real estate agent to make sure everyone is aligned and the entire process runs smoothly. You never feel like you’re just another transaction. The best part is that once you become part of Douglas’s ecosystem, you never really leave it. He continues to be a trusted resource long after closing, providing guidance, connections, and support whenever you need it. It’s not just a mortgage—it’s a lifelong relationship and an incredible asset to have in your corner. If you’re looking for someone who genuinely cares about your success and has the expertise to get the job done right, Douglas is the person to call. Semper Fi!” — Jason Haglund, July 31, 2026
Have Douglas Review My Numbers
Equal Housing Opportunity. Mortgage services are provided by Douglas Wilkerson, Branch Manager and Mortgage Broker with Edge Home Finance Corporation. Loan programs, rates, eligibility, underwriting guidelines and availability are subject to change. All applications are subject to credit review, verification, property eligibility, applicable underwriting requirements and final approval. This website does not constitute a commitment to lend or a guarantee of financing.