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This mortgage calculator can be used to figure out monthly payments of a home mortgage loan, based on the home's sale price, the term of the loan desired, buyer's down payment percentage, and the loan's interest rate. This calculator factors in PMI (Private Mortgage Insurance) for loans where less than 20% is put as a down payment. Also taken into consideration are an estimate of the area's property taxes, and their effect on the total monthly mortgage payment. Note: The cost for homeowner's insurance is not included. You should estimate an additional $600-$1200 per year for homeowner's insurance premiums, depending on the specific property, policy deductible, location, etc.
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