Get a quick estimate of your maximum purchase price and monthly payment for Conventional, FHA, and VA loans — using current Idaho rates, taxes, and insurance.
This is an estimate for educational purposes. Adjust the sliders below and see results update in real time.
Before taxes, all household members
Affects HOA fees and property taxes
Car loans, credit cards, student loans, etc.
Approximate middle score
Credit score affects your mortgage insurance rate on conventional loans. FHA insurance is the same regardless of credit.
People living in the home (for DPA eligibility)
Showing 8 programs you may qualify for — adjusts based on your income & household size above
Available programs filter automatically as you change your income and household size. Location-specific programs may also be available. Take the eligibility quiz for a full personalized match.
Based on $75,000/year income and $500/mo in debts
Max Housing Payment: $2,625/mo
3% down · 6.141% rate
Slide left to see payments at a lower price
$10,680 down on $356,000
Monthly Payment Breakdown
Estimated Cash to Close
*Sellers are commonly covering ~65% of buyer closing costs via concessions in the current market.
MI rate: 0.8%/yr
3.5% down · 5.900% rate
Slide left to see payments at a lower price
$12,950 down on $370,000
Monthly Payment Breakdown
Estimated Cash to Close
*Sellers are commonly covering ~65% of buyer closing costs via concessions in the current market.
MI rate: 0.55%/yr + 1.75% upfront (financed)
0% down · 5.589% rate
Slide left to see payments at a lower price
$0 down on $393,000
Monthly Payment Breakdown
Estimated Cash to Close
*Sellers are commonly covering ~65% of buyer closing costs via concessions in the current market.
No monthly MI · 2.15% funding fee financed into loan
Based on your household size of 3 and income of $75,000, you may qualify for Idaho down payment assistance programs. Select a DPA program above to see how it reduces your cash to close!
Interest rates sourced from Optimal Blue Mortgage Market Indices (OBMMI). Loading latest rates... Rates reflect average locked rates including approximately 1 discount point, which sellers are commonly covering via concessions in the current market. Conventional rates adjust by credit score using OBMMI FICO/LTV breakdowns.
Property taxes use Idaho's average effective rate of 0.62% for single family homes. Homeowners insurance estimated at 0.35% of home value annually (~$1,400/yr on a $400k home).
Disclaimer: This calculator provides estimates for educational purposes only. It is not a pre-qualification or commitment to lend. Actual rates, payments, and qualification requirements may vary. Contact a licensed loan officer for a personalized assessment.