Mortgage Payment Calculator

The Capital Audit

Calculate your monthly payment and true home affordability in the Las Vegas market with a mortgage calculator built for real decisions, not just headline payments. See true monthly ownership cost, cash to close, PMI drag, Vegas carry risks, and side-by-side scenario comparisons.

Home Price

Interest Rate (%)

Loan Term

Down Payment (%)

Down Payment ($)

PMI Annual Rate (%)

Property Tax / Year

Property Tax / Month

Insurance / Year

Insurance / Month

HOA / Month

Sub-HOA / Master Plan / Month

SID / LID / Month

Utilities / Month

Maintenance Reserve / Month

Closing Costs (%)

Extra Principal / Month

Include closing costs in cash-to-close Apply extra monthly principal

Mode-specific assumptions

VA Mode

VA Funding Fee (%)

Funding Fee Exempt

Investor Mode

Estimated Rent / Month

Vacancy (%)

Management (%)

CapEx Reserve / Month

Vegas+ Mode

Summer Utility Spike / Month

Travel / Distance Friction / Month

Scenario Compare

Freeze the current assumptions into up to three snapshots.

Scenario A

Empty

Scenario B

Empty

Scenario C

Empty

Amortization & payoff schedule

Period	Payment	Principal	Interest	Balance

Capital Audit Output

True Monthly Ownership Cost

This is the monthly number that matters more than the headline payment.

Principal & Interest $0

Taxes $0

Insurance $0

PMI $0

HOA + Community Fees $0

Utilities + Reserve $0

Loan Amount $0

Cash to Close $0

PMI Removal Estimate —

5-Year Ownership Cost $0

5-Year Principal Gained $0

Total Interest Over Term $0

Payoff Date —

Investor Cash Flow —

Reality Check

These warnings are there to stop pretty math from turning into a bad decision.

Want a custom payment and risk review?

I can layer in actual neighborhood fees, tax exposure, commute logic, or investor drag instead of relying on broad assumptions.

Request a Custom Review