Estimate monthly payment for conventional, jumbo, and VA loans — including taxes, insurance, and PMI.
Run a typical purchase or a jumbo loan from $1M to $5M+ with the same tool. Steve Kent prices both every day for buyers across 22 states.
Start with a typical purchase, or flip to the jumbo mortgage payment calculator in one tap.
Standard loan. PMI applies if down payment < 20%.
Total Monthly Payment
$4,744.39
Payoff Date: August 2056
Estimates get you in the batter's box — a real quote gets you on base. Steve Kent prices conventional, jumbo, and VA loans daily for buyers across 22 states.
PMI Disclaimer: PMI estimates are approximate and depend on credit score, lender, and MI provider. For accurate PMI quotes, request a personalized consultation.
Note: This is an estimate only. Monthly payment shown includes principal & interest, property taxes, homeowners insurance, and PMI when applicable.
Actual rates and terms vary based on credit score, property location, loan type, and other factors. Contact Steve Kent at Big League Lender for a personalized quote and current rates. NMLS #1621847.
Same tool, two ballgames. Use it as a straight conventional estimate or as a jumbo mortgage calculator when the price tag clears the conforming limit.
Conventional (conforming) covers most purchases under the current loan limit.
Jumbo starts above the conforming limit and is common in Frisco, Plano, Prosper, Southlake, and Highland Park — that's when this becomes a jumbo loan calculator.
PMI still applies on many loans with less than 20% down — the calculator shows it when LTV is over 80%.
Super jumbo ($2M–$5M+) uses the same payment math in this jumbo mortgage payment calculator; credit, reserves, and pricing are different — Steve will quote those live.
A seller- or builder-paid temporary buydown can drop your rate for the first 1–3 years. See exactly what your payment — and your savings — would look like.
Rate reduced 2% in Year 1, 1% in Year 2.
Home Price minus Down Payment
Your actual rate depends on credit, loan type, and program.
Note Rate Payment (P&I)
$5,056.54
6.500% over 30 years
| Year | Rate | Payment | Monthly Savings | Annual Savings |
|---|---|---|---|---|
| 1 | 4.500% | $4,053.48 | $1,003.06 | $12,036.74 |
| 2 | 5.500% | $4,542.31 | $514.23 | $6,170.79 |
| 3+ | 6.500% | $5,056.54 | — | — |
Estimated Buydown Cost
Typically paid by seller or builder at closing
$18,207.53
Buydowns are powerful when structured right. Steve will run the numbers on your specific scenario and coordinate with your agent or builder.
Estimates only. Buydown availability and structure depend on loan program, occupancy, and seller/builder concessions. Note rate qualifies the borrower; the temporarily reduced payment does not. Contact Steve Kent, NMLS #1621847, for a personalized quote.
Skip the call center. Work directly with Steve Kent for white-glove service on jumbo loans, conventional, VA, and every mortgage type.
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Verified Borrowers
Licensed in 22 States
Nationwide Reach
Jumbo Loan Specialist
$1M – $5M+