Most calculators show you principal and interest and call it a day. In the Northwest Suburbs, property taxes can be a third of your payment — so this one includes everything: taxes, insurance, PMI, and HOA.
Estimates only, for planning purposes — not a loan offer or quote. Your actual rate, taxes, insurance and PMI depend on your credit, the specific property, and your lender. We're Realtors, not lenders — but we'll happily connect you with lenders our clients have had good experiences with.
Two identical $400K houses in the same town can carry tax bills thousands of dollars apart. We pull the actual bill on every home before you offer — never trust a listing's estimate.
Under 20% down, you'll usually pay PMI, but it drops off once you hit enough equity. Waiting years to save 20% often costs more than just buying with PMI now. Run both versions above.
A cheaper condo with a $450 assessment can cost more per month than a pricier townhome with none. Always add the HOA line — and read what it covers, because sometimes it includes heat and water and is actually a bargain.
Tell us what you're hoping to spend per month and we'll work backwards to the towns, neighborhoods, and homes that actually fit — taxes and all. That's the part a calculator can't do.
Contact Dawn & Josh Text Josh: (224) 628-4013First-time buyer? Start with our guide: The Best Northwest Suburbs for First-Time Buyers. Selling too? See what you’ll walk away with on our seller net sheet.