For orientation

Cost of Carrying

A purchase, as a monthly number

A purchase is a monthly number as much as a headline price. This calculator turns price, financing, and the costs that ride alongside into the figure that matters: what the house asks of you each month. It uses only the numbers you enter, rates, taxes, and fees move with the market and the jurisdiction, so bring current ones from your lender.

Entries, in your handThe ledger

Rate prefilled from Freddie Mac's national average, 30-yr fixed, as of 2026-09-10. Edit it to use your own lender's quote.

Principal & interest$12,466
Property tax$1,500
Insurance$400
Association fee$0
Loan amount$1,920,000
Down payment$480,000
Estimated monthly payment$14,366

Fill Scenario B to compare two ways of buying the same house.

Scenario A

$14,366
Loan amount$1,920,000
Down payment$480,000
Interest over the term$2,567,706

Scenario B

$0
Loan amount$0
Down payment$0
Interest over the term$0

The estimated monthly payment includes principal and interest, property taxes, homeowners insurance, and association fees entered. Mortgage insurance and other ownership costs are not included. These figures are estimates for orientation, not a quote or an offer of credit. LEYEFEMI is not a lender or a financial advisor; confirm current rates, taxes, and total costs with your lender and the relevant jurisdiction before relying on any number here.

When the monthly number makes sense, the neighborhood question comes next, the guides carry a cost-of-carrying note for each market we cover. And when you are ready to test a real house against these figures, talk to us.