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Monthly cost calculator · Southwest Florida

The real monthly cost.

Mortgage, taxes, wind, flood, HOA or club dues and assessments in one number. Change any box and the total updates.

Your numbersExample values · replace with yours
Down payment · $90,000 (20%)
Loan term
Example: $3,385 is North 1 East's 30-year yearly payment for a standard lot (City of Cape Coral). What is the UEP?
All-in monthly$3,733/moLoan amount $360,000 · 30 years at 6.5%
Mortgage (principal + interest)$2,275
Property taxes$675
Homeowners + wind$400
Flood insurance$100
HOA$0
Cape Coral UEP assessment$282

Estimates only. This calculator is a general tool, not financial, investment or lending advice, and results are not guaranteed. Interest rates, insurance premiums, taxes, HOA fees and assessments change often. Confirm all numbers with your lender, insurance agent and the county before making decisions.

Next step

Homes up to $450,000 at about $3,733 a month.

See homes at this budget
Get matches

Text or email me homes under $450,000. Every home I send shows its all-in monthly cost, using your numbers.

Swap the examples for real quotes.

Insurance

Get a homeowners and wind quote on the actual address. Roof age, construction and a wind mitigation report all move the price.

Flood

Check the flood zone and ask for the elevation certificate. Lenders require flood insurance for homes in high-risk zones like AE.

Taxes

The seller's tax bill can be lower than yours will be. Estimate taxes on your purchase price with the Lee County tools.

Assessments

Request a free payoff from the City of Cape Coral before you offer. How UEP assessments work.

Text me the address, I'll help with the real numbers