Orlando, FL Mortgage Calculator — Estimate Your Monthly Payment

Use this free calculator to estimate a monthly mortgage payment for a home in Orlando, Florida. We've pre-filled it with Orlando's approximate median home value (about $390,000, based on recent Zillow data) and the local effective property-tax rate, but you can adjust every input — price, down payment, interest rate, term, and loan type — to match your own situation.

The estimate breaks down principal & interest, property taxes, and homeowners insurance, and it supports VA loans (including the funding fee and the IRRRL streamline refinance), FHA, and conventional financing. It's educational only — for a real quote, speak with a licensed Florida loan officer.

Loan Purpose

Home Price $390,000

$50K – $2M

Down Payment 20.0%

$70,000 down · 3% – 50%

Interest Rate 6.50%

Illustrative — adjust to your quote

State

Sets the property-tax estimate for your state

Loan Term

Loan Type

Estimated Monthly Payment

Principal & Interest$0

Mortgage Insurance$0

Property Tax (est.)$0

Home Insurance (est.)$0

Estimated Total$0

Loan Summary

VA Funding Fee (financed)$0

Loan Amount$0

Loan-to-Value (LTV)—

Total Interest$0

Total of Payments$0

Illustrative national averages (≈ early 2026) for education only — not an offer or quote. Verify current rates with sources like the Freddie Mac PMMS.

Get this breakdown as a free booklet. We'll prepare a personalized educational guide explaining the exact numbers above — yours to keep, no obligation.

These figures are estimates provided for educational purposes only and are not a loan offer, quote, rate lock, or commitment to lend. Your actual payment will differ. Property taxes and homeowners insurance shown here are estimates and may be understated or excluded, and other costs — such as mortgage insurance, HOA dues, flood insurance, and closing costs — may not be reflected. For a detailed, personalized quote, consult a licensed lender or loan officer.

As an illustration, a median-priced Orlando home (about $390,000) with 20% down at an example 6.5% rate on a 30-year loan works out to roughly $1,972/month in principal & interest, plus about $309/month in estimated property taxes (~0.95%/yr) and around $125/month for homeowners insurance — about $2,406/month before any HOA dues. Move the sliders above to see how a different price, down payment, rate, or loan type changes the picture.

Questions

Orlando Mortgage Payment FAQ

How much is the monthly payment on a typical Orlando home?

A median-priced Orlando home around $390,000 with 20% down at an illustrative 6.5% rate on a 30-year loan is roughly $1,972/month for principal and interest, or about $2,406/month once estimated property taxes and homeowners insurance are included. Your actual payment depends on your price, down payment, rate, and loan type.

How much are property taxes in Orlando?

Orlando's local effective property-tax rate is roughly 0.95% of a home's value per year in this estimate. On a $390,000 home that's about $3,705 per year, usually collected monthly through an escrow account. Actual bills vary by exact location, assessment, and exemptions such as the homestead exemption.

How much do I need for a down payment in Orlando?

It depends on the loan: 0% for VA (eligible borrowers), 3.5% for FHA, and as little as 3% for some conventional loans. On a $390,000 Orlando home, 20% down (which lets you skip PMI on a conventional loan) is about $78,000, while 3.5% is about $13,650.

Are these Orlando calculator results a mortgage quote?

No. Everything here is an educational estimate, not a loan offer, quote, or commitment to lend. For real, personalized numbers, talk to a licensed lender or loan officer.

Orlando Home Buying Guide

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Orlando Mortgage Calculator

Estimated Monthly Payment

Loan Summary

Orlando Mortgage Payment FAQ

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