Last reviewed: July 2026
The 40th Floor Mortgage & House-Payment Calculator ("the calculator") is provided for general educational purposes only. Please read the following carefully before relying on any number it produces.
Nothing on this page constitutes a loan offer, a rate lock, a pre-approval, or a commitment to lend from any lender. The suggested loan type (Conventional, FHA, VA, or USDA) is a starting point for discussion with a licensed lender, not an eligibility determination.
The calculator does not know your full financial picture, does not review your credit, and does not have access to actual property tax records, insurance quotes, or lender rate sheets. It should not be used as a substitute for advice from a licensed mortgage professional, tax preparer, accountant, or attorney.
Every automated figure — interest rate, property tax, homeowners insurance, mortgage insurance, and closing costs — is an approximation based on typical figures and published rate tables, not your specific circumstances. See our methodology page for exactly how each number is calculated. Actual costs will vary, sometimes significantly, based on your lender, insurer, municipality, and the specific property.
40th Floor makes no warranty, express or implied, regarding the accuracy or completeness of any estimate produced by this calculator, and is not liable for decisions made based on its output.
Questions about a specific estimate? Contact us.