EXIT Empowerment Realty
803-470-1787
Buyer Tools

Mortgage Calculator

Estimate your monthly payment in seconds. Adjust home price, down payment, interest rate, and loan term to find what works for your budget.

Loan Details

Home Price
$250,000
$50,000$1,500,000
Down Payment
Less than 20% down typically requires PMI (Private Mortgage Insurance)
10% ($25,000)
350
Interest Rate
Current average 30-yr fixed rates vary. Contact us for current rate guidance.
6.50%
2%12%
Loan Term
30 years
10 yr30 yr

Estimates (Optional)

Annual Tax Rate
SC average property tax rate is ~0.5–1.5%. Adjust to your county's rate.
1.2%
0.5%3%
Annual Insurance
Average homeowners insurance in SC is ~$1,200–$2,000/year.
$1,200
500$5,000

Estimated Monthly Payment

$1,903.40

/month · 30-year loan

Includes PMI — drops off at 20% equity

Payment Breakdown

Principal & Interest
$1,422.15
Property Tax
$250.00
Insurance
$100.00
PMI
$131.25

Loan Summary

Loan Amount

$225,000

Down Payment

$25,000

Total Interest

$286,975

Total Cost

$536,975

Disclaimer: This calculator provides estimates for informational purposes only. Actual loan terms, rates, and payments will vary based on your credit profile, lender, and property details. Contact us for personalized guidance.

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Next Steps

Ready to Take the Next Step?

01

Get Pre-Approved

A pre-approval letter shows sellers you're serious and tells you exactly how much you can borrow. We can connect you with trusted local lenders.

02

Schedule a Buyer Consultation

Meet with one of our experienced agents to discuss your goals, timeline, and the Columbia, SC market — at no cost or obligation.

03

Find Your Dream Home

We'll search listings, schedule showings, and negotiate on your behalf to get you the best possible deal on your new home.

Book a Free Buyer Consultation→