Patino Real Estate App
Patino Real Estate App
New homes not on MLS. All 7 Las Cruces builders. Free.
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Live · Interactive · Free

Las Cruces Mortgage Calculator

Drag the sliders. See your real monthly payment instantly: principal & interest, property tax, insurance, and HOA. No email gate, no signup.

Home price $
$50K$2M
Down payment (20%) $
$0 (USDA/VA)50%+
Interest rate %
2%12%
Loan term yrs
10 yrs30 yrs
Property tax (annual) $
$0$20K/yr
Home insurance (annual) $
$0$6K/yr
HOA (monthly) $
$0$800/mo
Your estimated monthly payment
$2,920
on a $320,000 loan
Principal & Interest $2,076
Property tax $267
Home insurance $117
HOA $0
Approximate income needed ~$104,500/yr (using 28% front-end DTI)

Want this payment for real?

Same home, four loan types

Live comparison based on your inputs above. PMI shown automatically when down payment is below 20%.

Conventional

5% down typical
$2,920
$20,000 down

FHA

3.5% down min
$3,050
$14,000 down

VA

$0 down · veterans
$2,890
$0 down

USDA

$0 down · rural
$2,910
$0 down
Disclaimer: This calculator is an estimate only. Actual rates, taxes, insurance, and PMI vary by credit profile, lender, county, and property. For a real pre-approval and exact numbers, talk to Jeff Sauer or any of our recommended Las Cruces lenders, or call Patino Real Estate at (575) 520-7604. Patino Real Estate is not a mortgage lender, broker, or correspondent and does not originate loans.
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Manny Patino, Qualifying Broker. Our team , Gilbert Patino, Brandon Grajeda, Brian Salazar, Erika Melissa Moya , works with every active builder and represents buyers free. Meet the team →

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