Payment estimate

Run a clean payment estimate.

Enter the price, down payment, rate, taxes, insurance, HOA, mortgage-insurance assumption, and any verified builder credit. Tim can verify current lender programs, incentives, cash-to-close, and terms before you rely on the numbers.

DHI-style estimate

Payment calculator

Pick FHA, VA, or Conventional financing and the calculator automatically applies the current default rate before Tim verifies the live program.

Estimated payment based on 3.99% FHA financing3.5% down example

Purchase priceDown paymentInterest rate / promo (%)Loan termTaxes / monthInsurance / monthHOA / monthMortgage insurance / monthVerified builder credit

Estimated monthly payment$2,770

Principal + interest $2,071

Taxes / insurance / HOA $514

Loan amount $434,240

Informational estimate only. Not a loan quote, commitment to lend, or guarantee. Rates, taxes, insurance, HOA, incentives, and loan terms vary. Financing is subject to borrower qualification and DHI Mortgage approval.

Cash-to-close estimate

Know the upfront number before you tour.

Use this simple planning view to separate monthly payment from estimated cash due at closing. Builder credits can help, but they must be verified against the current home, lender, and contract terms.

Down payment$15,750

Estimated closing costs$11,250

Prepaids / reserves$2,250

Builder credit-Ask Tim

Estimated cash due$29,250

Verify cash-to-close with TimPlanning estimate only. Closing costs, prepaid taxes/insurance, escrow reserves, rate buydowns, incentives, and allowable credits vary by loan program, lender, builder, and buyer qualification.

Want Tim to verify a real scenario?

Send the price, down payment, rate/program assumption, and community. Tim can help verify what is current and what may apply.