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Mortgage & Affordability
The sticker price is never the real number. This shows your true monthly payment — taxes and insurance included — and whether it sits comfortably against your income.
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Your real monthly payment
Adjust the inputs. Illinois property taxes run high — in much of the Fox Valley roughly 2% of value — so they move this number more than buyers expect.
Used for the affordability read below — lenders favor housing under ~28% of gross income.
Estimated monthly payment
$4,100
This is 20% of your gross monthly income — a comfortable position.
Principal & interest$3,374
Property taxes$1,138
Homeowner's insurance$200
PMI $0
HOA$0
Total / month$4,712
Estimates only — not a loan estimate or a commitment to lend. Actual rates, taxes, PMI, and insurance vary by lender, home, and your credit. For numbers tuned to a specific home and your pre-approval, text me.
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Make the number real.