Interactive Tool · Buyer-Entered Estimates · Professional Verification Needed
South Florida
Mortgage Calculator
2026
Educational payment estimate · Buyer-entered taxes and insurance · Clear monthly breakdown
Whether you're buying your first home, investing in multifamily properties, or exploring FHA financing options, schedule a free consultation with Roland Ruiz — the only Realtor in South Florida with 20+ years as a licensed General Contractor.
Principal reduces the loan balance. Interest is the lender's charge for borrowing. The note rate is not the same thing as APR.
Taxes and insurance can change. An escrow payment can change even when the interest rate stays fixed.
HOA or condominium fees are separate from the mortgage. Flood insurance may be required or advisable. Mortgage insurance protects the lender, not the home.
A preapproval is conditional. Estimated payment is not final approval, and payment is not the same as cash needed to close.
Use this calculator as a starting point, then verify the real numbers. The CFPB Loan Estimate explainer helps buyers understand principal, interest, taxes, insurance, and estimated monthly payment. The Miami-Dade Property Appraiser Tax Estimator can help estimate property taxes from information you enter. The Florida Office of Insurance Regulation CHOICES tool is a consumer rate-comparison resource. The FEMA Flood Map Service Center is the official public source for FEMA flood hazard maps.
A calculator gives you a starting point. Roland can help you slow down and identify which numbers still need verification with your lender, insurance agent, HOA, county tax source, and closing professional. Free consultation.
→ Compare Florida Loan Programs — FHA, DSCR, Conventional, VA, and Commercial compared side by side.
Roland answers his own phone. No gatekeepers, no referrals to a junior agent. 20 years as a licensed General Contractor means you get a real assessment — not just a showing.
📅 Schedule Free ConsultationRoland will be in touch within 24 hours.
For urgent inquiries, call 305.731.0387
Roland runs the numbers with you — mortgage payment, property tax, HOA, insurance — so you know your real monthly carry before you make an offer. Free buyer representation. Seller pays the commission.
Cash flow, cap rate, DSCR — Roland runs the full investment analysis alongside your mortgage numbers. One call, full picture.
Calculator next-step guidance. Use the numbers as a starting point. Roland can help you understand what should be verified by a lender, insurance agent, CPA, inspector, or other professional before you decide.
