Florida Mortgage Calculator
What will your Florida mortgage actually cost?
Florida payments are not just principal and interest. Insurance and HOA dues swing the real number. Punch in your scenario for a realistic estimate.
Reviewed by Travis Penny, NMLS 1649161
Last reviewed September 29, 2026
I'm Travis Penny, mortgage broker, NMLS 1649161. This calculator estimates a monthly Florida mortgage payment with taxes, insurance, and HOA built in. Call or text me at (207) 615-7770 and you reach me directly. Or email Travis@travis.mortgage.
Common minimums: 3% conventional for eligible first time buyers, 3.5% FHA with 580+ credit, no down payment required for VA or USDA eligible buyers, 10% second home, 15% to 25% investment property. 20% down avoids PMI.
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Estimates only. Florida insurance varies widely by county, roof age, and flood zone. Actual payment depends on your loan program, credit, escrow, and any mortgage insurance.
Get a real Florida quoteHow to use this Florida mortgage calculator
This calculator estimates your Florida mortgage payment with the four pieces that actually move the number: principal and interest, Florida property taxes, hurricane and flood insurance, and HOA or condo dues. Insurance is the wildcard most calculators ignore. In coastal counties it can run $4,000 to $8,000 a year on a single family home and even more on a condo with master policy assessments.
If your down payment is under 20 percent on a conventional loan, your real payment may also include private mortgage insurance, and FHA loans carry mortgage insurance at any down payment. This calculator leaves mortgage insurance out. Buying your first place? Read my Florida first time home buyer guide.
Want a real quote with current Florida mortgage rates and a county-specific insurance estimate? Send me your scenario and I will review it personally.
This information is general education, not a loan offer or a commitment to lend. Down payment and credit requirements vary by client, property, and lender, and program guidelines change. For your own numbers, call or text me at (207) 615-7770 or email Travis@travis.mortgage.
Want me to run your Florida mortgage scenario?
Call or text me at (207) 615-7770 and you reach me directly.