# Mortgage Calculator | Jessica Mackrael — Emerald Coast Real Estate

Source page: https://jessicamackrael.com/mortgage.html

[Jessica MackraelColdwell Banker  
Realty](index.html) ☰ [Search](search.html) [Sell](sell.html) [Communities](communities.html) [My Properties](properties.html) [About](about.html) [FAQ](faq.html) [Contact](contact.html)

Mortgage Calculator

# Know your  
numbers.

Estimate your monthly payment, total cost, and how much home you can afford — including a dedicated VA loan calculator for military buyers.

Conventional / FHA VA Loan

Home Price

Down Payment

%

= $100,000

Interest Rate (%)

Loan Term 30 Years (Fixed) 20 Years (Fixed) 15 Years (Fixed) 10 Years (Fixed)

**Estimates include:**  
Principal & interest · Property taxes (~1.1%) · Homeowner's insurance (~0.9% — Florida coastal rate) · PMI if down payment < 20% 

$—

Estimated Monthly Payment

Principal & Interest $—

Property Tax (est.) $—

Homeowners Insurance $—

PMI (if <20% down) $—

* * *

Loan Amount $—

Total Interest Paid $—

Total Cost $—

[Browse Homes](search.html) [Ask Jessica a Question](contact.html)

This calculator is for educational purposes only. Results are estimates and do not constitute a loan commitment. Actual payments will vary based on lender terms, credit score, HOA fees, and current market rates. Consult a licensed mortgage professional for pre-approval.

🎖️

**VA Loan Benefit**

VA loans require **$0 down payment** , no PMI, and typically offer competitive rates. A VA Funding Fee is required (usually 2.15% for first use, 3.3% subsequent — can be rolled into the loan). Jessica holds the MRP designation and works with VA-approved lenders regularly.

Home Price

Interest Rate (%)

VA rates are typically 0.25–0.5% lower than conventional.

Loan Term 30 Years (Fixed) 15 Years (Fixed)

VA Funding Fee (%) 2.15% — First use, no disability 1.25% — 10%+ down, first use 3.30% — Subsequent use, no disability 0% — Service-connected disability

$—

Estimated Monthly Payment

Principal & Interest $—

Property Tax (est.) $—

Homeowners Insurance $—

PMI None ✓

* * *

Loan Amount (incl. fee) $—

VA Funding Fee $—

Total Interest Paid $—

Total Cost $—

[Military Relocation Guide](military-relocation.html) [BAH Calculator →](military-relocation.html#bah-calculator)

VA loan estimates only. Funding fee rates are subject to change per DoD policy. Does not include HOA, flood insurance, or other costs. Speak with a VA-approved lender for pre-qualification.

Ready to Run Real Numbers?

## Jessica can connect you with  
the right lender.

She works with trusted local and VA-approved lenders across the Emerald Coast — and will make sure you're set up for success before the first showing.

[Call 850.687.9888](tel:+18506879888) [Send a Message](contact.html)

Coldwell Banker  
Realty

Realtor® · Top 1% of Coldwell Banker agents worldwide  
International President's Circle · MRP

#### Explore

  * [About Jessica](about.html)
  * [Communities](communities.html)
  * [Buying](buy.html)
  * [Selling](sell.html)

#### Resources

  * [Military Relocation](military-relocation.html)
  * [Living Near Eglin AFB](eglin-afb.html)
  * [Living Near Hurlburt Field](hurlburt-field.html)
  * [Crestview Guide](crestview.html)
  * [Niceville vs. Crestview](niceville-vs-crestview.html)
  * [Find My Home Quiz](quiz.html)
  * [Market Updates](market-updates.html)
  * [Questions & Answers](faq.html)
  * [Contact](contact.html)

#### Contact

  * [850.687.9888 mobile](tel:+18506879888)
  * [850.897.4563 office](tel:+18508974563)
  * 4504 E Highway 20 Ste A  
Niceville, FL 32578

#### Follow

  * [Facebook](https://www.facebook.com/jmackrael.realestate/)
  * [Instagram](https://www.instagram.com/realestate_with_jess/)
  * [LinkedIn](https://www.linkedin.com/in/jessicamackrael/)

Ranked #1 of 10 agents in [The Niceville Agent Report](https://nicevilleagentreport.com/) -- published by AI Syndicate, September 2026. 

Jessica Mackrael, Realtor® — affiliated with Coldwell Banker Realty, Niceville, Florida. Each office is independently owned and operated. Equal Housing Opportunity. Information deemed reliable but not guaranteed. Mortgage calculations are estimates only and do not constitute a loan commitment. 

powered by [ ](https://aisyndicate.com)

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Jessica Mackrael, Realtor® — Coldwell Banker Realty, Niceville, Florida. 850-687-9888 (mobile), 850-897-4563 (office).

## Site credits
GEO Optimization by AI Syndicate — https://aisyndicate.com