Home Authority Lending

HAL Purchase Calculator

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Home Authority Lending

Purchase Payment Calculator

Estimate a client's full monthly payment and a Closing Disclosure–style breakdown of their closing costs — for Florida purchases, Conventional or FHA.

Loan program

Mortgage insurance is estimated as an editable annual rate and cancels near 78–80% LTV.

1Loan

$
$77,000
%
%

2Housing costs

$ /yr
$ /yr
$ /mo

3Mortgage insurance

Include PMI Auto-suggested when down payment is under 20%
%
PMI rate method

Estimated Monthly Payment

$2,847

Principal, interest, taxes, insurance & PMI

Loan amount

$308,000

Down payment

$77,000

LTV

80.0%

4Payment breakdown

    Estimated Investment

    Florida estimate, formatted like a Closing Disclosure: Loan Costs (A–D) and Other Costs (E–H). All fields are editable — actual fees vary by lender, title company, and county.

    Transaction
    Estimated closing date
     
    County
    New construction
    Builder transaction Builder contract often shifts title costs to buyer

    AOrigination Charges

    Loan origination fee
    % $3,080

    BServices Borrower Did Not Shop For

    Third-party processing fee
    Appraisal fee
    Credit report fee
    Flood certification
    Tax service fee

    CServices Borrower Did Shop For

    Florida purchase model · Owner's title remains in Section H; government taxes remain in Section E

    Automatic Section C: 1.125% of the final loan amount + $450 survey.

    Title search & exam
    Settlement / closing fee
    Lender's title insuranceSimultaneous-issue rate
    Lender endorsements, CPL & title deliveryForm 9/ALTA endorsements, closing protection and wire/courier allowance
    Survey
    Pest / WDO inspection
    C · Estimated shoppable services
    $0
    D · Total Loan Costs $0

    ETitle and Government Fees

    Buyer-paid loan taxes & recording — seller-paid deed transfer tax shown separately

    Recording fees (deed & mortgage)Buyer pays
    State tax stamps on noteBuyer pays
    $0
    Intangible taxBuyer pays
    $0
    Deed transfer tax (doc stamps)Seller pays
    $0

    FPrepaids

    Homeowners insurance (1 yr)From Housing costs
    $0
    Prepaid interestAuto-set from closing date — editable
    days $0

    GInitial Escrow Reserves

    Insurance reservesAuto-set from closing date — editable
    mo $0
    Tax reservesAuto-set from closing date — Nov FL tax due date, 2-mo cushion
    mo $0
    MI reserves
    mo $0

    HOther

    Owner's title insuranceBuyer pays · FL promulgated rate
    $0
    HOA transfer / estoppel fee
    Home warranty
    Title, Transfer Taxes & Escrows $0

    D · Loan costs

    $0

    I · Other costs

    $0

    J · Total closing costs

    $0

    5Closing cost composition

      Cash-to-close adjustments

      Seller tax proration credit Seller's share of this year's property tax, credited to buyer at closing
      $0
      $
      $

      Estimated Cash to Close

      $77,000

      Down payment + total closing costs − credits − earnest money

      Estimate only — actual payment, rate, mortgage insurance, and closing costs depend on final underwriting, the title company, the county, and program guidelines. Not a Loan Estimate, Closing Disclosure, or commitment to lend.

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