Payment calculator
Build a realistic monthly estimate.
Uses adopted 2026 tax rates, typical HOA from sampled new-build communities, and flags community-specific MUD/PID. See this month’s builder incentives →
30-year fixedreal estimate
Property tax uses the adopted 2026 rate where published. Where the 2026 rate isn’t adopted yet, tax is excluded and marked clearly. HOA is a typical from sampled new-build communities — not a quote for any specific home. MUD/PID is never auto-added because it’s community-specific; check your community before relying on a number. Homeowner’s insurance is an estimate. Ask Kyler for the details on a specific home.
Update this rate with your lender quote.
Tax data shown after you choose a city.
Some cities span more than one.
Starting rate: 7.40%, Freddie Mac U.S. weekly average for October 8, 2026. It assumes a conventional, conforming loan with 20% down and excellent credit; your quote may differ.
This tool gives a general estimate for information only. It is not a loan offer, a Loan Estimate, or a commitment to lend, and it is not financial advice. Rates, taxes, insurance, HOA and MUD/PID amounts vary. Confirm all figures with a licensed lender and the builder.
Builder 2-1 buydownYear 1: rate −2 · Year 2: rate −1
Partial estimate. Choose a city for property tax & HOA
$0
Payment step-up
| Period | Rate | Estimate |
|---|
Each buydown figure uses the same tax, HOA, and MUD/PID treatment as the estimate above.