Amanda Sweetz, REALTOR®◆Keller Williams Realty of the Palm Beaches
Interactive Tool · Palm Beach County
What will your monthly payment actually be?
Principal, interest, Florida property tax, homeowners insurance, HOA dues, and CDD assessments — together in one number, not just the loan payment a generic calculator shows you.
Most mortgage calculators only show principal and interest. In Palm Beach County, that's often the smaller part of the story.
Florida has no state income tax, but property tax, homeowners insurance, and — in many newer communities — a Community Development District (CDD) assessment on top of HOA dues can add hundreds of dollars a month that a generic calculator never mentions. This tool asks about all of them, so the number you see is closer to what you'll actually pay.
It won't ask for your name or your email, and nothing you enter is saved or sent anywhere. Just numbers in, an estimate out.
Your numbers
Enter your own figures — the defaults are just a starting point.
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= $130,000 down, $520,000 loan
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Estimated recurring costs (optional)
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Estimated Monthly Payment
$0/mo
Principal & interest$0
Property tax$0
Homeowners insurance$0
HOA dues$0
CDD assessment$0
PMI$0
Loan amount: $0
Total interest over the loan: $0
Estimated payoff: —
Estimate only — not a loan offer, pre-approval, or commitment to lend. Actual rates, underwriting terms, taxes, and insurance depend on your lender, your credit, and the specific property. Amanda Sweetz is a licensed Florida real estate agent, not a mortgage lender — confirm real figures with a licensed lender before you budget.
Nothing you enter here is saved, submitted, or sent anywhere. Every calculation happens in your browser.
Ready to see real numbers on a real address?
Amanda can help you pull actual tax and insurance figures for a specific property, and connect you with a lender for a real pre-approval — no pressure, just clarity.
Not automatically. If your down payment is under 20%, your lender will likely require private mortgage insurance, and the exact rate depends on your credit and loan program. There's an optional PMI field above so you can add your lender's estimate once you have it.
Why does this ask about CDD fees separately from HOA dues?+
A Community Development District (CDD) assessment is a separate line item from HOA dues, common in many newer Palm Beach County communities, and it funds infrastructure like roads and amenities. It's often not obvious in the listing price, so this calculator treats it as its own input rather than folding it into HOA.
Where do I find my actual property tax and insurance numbers?+
For property tax, look up the specific parcel at the Palm Beach County Property Appraiser's site (pbcpao.gov) — the current owner's tax bill often reflects homestead exemptions or portability you won't get as a new buyer, so the taxable value can reset higher after a sale. For insurance, get an actual quote, since Florida premiums vary significantly by flood zone, roof age, and construction type.
Is my information saved or sent anywhere?+
No. Every calculation happens in your browser. Nothing you enter here is submitted, stored, or sent to Amanda or anyone else.
Is this a loan offer or a real quote?+
No. This is an estimate based on the numbers you enter, not a loan offer, a pre-approval, or financial advice. Actual rates, underwriting terms, taxes, and insurance costs depend on your lender, your credit, and the specific property, so confirm real figures with a licensed lender before you budget.
