Buying Tools

Mortgage Calculator

Estimate your full monthly payment — principal, interest, property tax, insurance, and PMI — with Colorado county tax rates built in.

Home Price

County

≈ 0.51% effective rate

Down Payment20% · $100,000

Interest Rate6.50%

Loan Term

Home Insurance / Year

HOA / Month

Override tax rate manually

Estimated Monthly Payment

$2,891/mo

✓ No PMI required (20%+ down payment)

Principal & Interest$2,528

Property Tax$213

Home Insurance$150

Loan Summary

Loan Amount$400,000

Est. Annual Property Tax$2,550

Total Interest (life of loan)$510,178

Property tax uses Denver County's approximate effective residential rate (≈ 0.51%). Actual bills depend on the specific mill levy and special districts — verify with the county assessor.

Estimates only — not a loan offer, pre-approval, tax bill, or financial advice. Actual rates, taxes, and costs vary. Consult a lender and the county assessor. Figures reflect information available as of 2026 and should be reviewed periodically.