[04] THE REAL NUMBER
Find your
monthly number.
Move the sliders. The figure below includes estimated taxes, insurance and mortgage insurance — not just principal and interest.
Estimated monthly, all in
$3,951
- Principal & interest
- $3,149
- Estimated property tax
- $450
- Estimated insurance
- $150
- Mortgage insurance
- $202
The same home with dues
$4,101 / month
Here the dues line is $0. There is no HOA.
The published table
| Loan type | Down | Rate | Monthly |
|---|
| FHA · 3.5% down | $18,883 | 6.30% | $4,039 |
| Conventional · 5% down | $26,975 | 6.75% | $4,137 |
| Conventional · 10% down | $53,950 | 6.75% | $3,951 |
| Conventional · 20% down | $107,900 | 6.75% | $3,399 |
These are estimates, not a quote or a loan offer. Down payment figures are the down payment only; closing costs are additional. Monthly figures include principal and interest, estimated Mecklenburg County + City of Charlotte property tax at the current combined rate, estimated homeowners insurance, and mortgage insurance where applicable. Rates in the published table are national averages published the week of August 6, 2026 and are not available to any particular borrower — your actual rate depends on your credit, your lender, and the day you lock. Property tax is estimated on the purchase price at today’s rate; new construction is assessed after completion and Mecklenburg County is on a four-year revaluation cycle, so your actual bill may differ materially. TK&T LLC is not a lender and does not give financial, tax, or legal advice. Talk to a licensed lender and a tax professional.