Mortgage Calculator Qualifying Ratios Owning vs Renting Annual Ownership Costs Sale Price of Home Dollar Amount Financed Percent (%) or $ Down Monthly Payment Term of Loan (in Years) Annual Loan Cost Interest Rate (% of 100) Ann. Property Taxes First Year Mortgage Interest Ann. Home Ins. Prem. Tax Reduction for Interest Ann. Home Assoc. Fees Ann. Home Maint/Repair Homeowner's State + Fed. Tax Rate ANNUAL COST OF HOME OWNERSHIP