SWFL Homes · Southwest Florida

What will this Florida home really cost?

Go beyond the mortgage to plan for insurance, maintenance, utilities, and everyday ownership.

Editable example assumptions—not a rate quote or a property-specific estimate. Annual insurance and tax figures are divided by 12.

Home price ($)Down payment ($)Interest rate (%) — exampleLoan termProperty tax ($ / year)Homeowners insurance ($ / year)Flood insurance ($ / year)HOA ($ / month)PMI ($ / month)Other costs ($ / month)CDD ($ / month)Pool maintenance ($ / month)Maintenance reserve ($ / month)Utilities ($ / month)

Enter PMI from your lender if applicable. Check whether CDD charges are already included in your tax estimate to avoid counting them twice.

Estimated total monthly cost$3,020 / mo

Principal + interest$1,770

Property tax$350

Homeowners insurance$250

Flood insurance$100

HOA$100

PMI$0

CDD$0

Pool maintenance$0

Maintenance reserve$200

Utilities$250

Other costs$0

Talk through the numbers

Shop by monthly payment.

Estimate a purchase budget using a 20% down payment, your selected rate and term, and the non-mortgage costs entered above. This is a planning estimate; no matching inventory is implied.

Your monthly budget ($)

Illustrative purchase budget
$247,204
20% down payment, paid separately.