Florida True Cost Calculator

What will this home really cost you each month?

Most calculators stop at principal and interest. In Florida, taxes, insurance, flood coverage, HOA and CDD fees, and loan fees can change the picture completely. Enter what you know; everything updates as you type.

By Dawn Spencer · Last updated November 4, 2026

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The home and the loan

Purchase price ($)

Down payment (%)

Loan type

Interest rate (%) ask your lender

Loan term

PMI rate (% per year) from your lender, if under 20% down

Florida costs

Property taxes ($ per year)

Millage rate (mills) optional

Homeowners insurance ($ per year)

Flood insurance ($ per year)

HOA dues ($ per month)

CDD assessment ($ per year)

Lender, title, and other closing costs ($) from your Loan Estimate

Estimated monthly cost

Principal & interest
Mortgage insurance
Property taxes
Homeowners & flood insurance
HOA & CDD
Total per month

Loan amount:

Estimated cash to close

Down payment
Doc stamps on the note (0.35%)
Intangible tax (0.2%)
Other closing costs
Total

Get Real Numbers for a Home

Estimates only, for planning, not a loan offer or tax advice. FHA figures use a 1.75% upfront premium and 0.50%–0.55% annual premium. VA funding fees use VA's rates effective April 7, 2023. Florida doc stamps and intangible tax are state rates; the seller customarily pays deed doc stamps and, in much of Northeast Florida, the owner's title policy. Homestead savings are a maximum: the second $25,000 of the exemption doesn't apply to school taxes. Prepaid insurance, tax escrow, and inspections are not included. Nothing you enter is saved or sent anywhere.

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Dawn Spencer, REALTOR® · Hi Real Estate