What would a new home cost you a month?
Price, deposit, rate and term, plus the property tax, insurance and HOA that never make it into the headline figure. An estimate rather than a quote, and we tell you exactly what it leaves out.
$6,114/mo
An estimate, not a quote: it assumes 6.5% over 30 years with 20% down. Your lender’s rate and the exact tax, insurance and HOA on the home you choose will move it.
- Principal & interest
- $4,804
- Property tax
- $910
- Insurance
- $150
- HOA
- $250
- Down payment
- $190,000
An estimate, not a quote or an approval. It uses a 1.15% property tax rate and typical insurance and HOA figures, and it excludes Mello-Roos, mortgage insurance below 20% down, and closing costs. Your lender’s numbers are the ones that count.
Want the real figure on a real home?
We will send the full monthly cost on the new homes in your price range, with the actual HOA and Mello-Roos for each one rather than an average.
The monthly payment follows the price, and these are the variables that decide the price of an otherwise identical home.
- 01
City and neighborhood
The largest single factorTwo near-identical new homes forty minutes apart can differ by hundreds of thousands of dollars. Location sets the floor, and everything else adjusts around it.
- 02
Lot position
$25k to $150k premiumCorner, view, cul-de-sac and greenbelt lots carry premiums. Backing onto a road or a parking court discounts, and that discount follows you to resale.
- 03
Size and plan
Price per foot falls as size risesKitchens and bathrooms are the expensive rooms. A larger plan spreads them over more area, so the price per square foot drops even as the total climbs.
- 04
Upgrades and options
Commonly 8 to 15 percent of priceFlooring, counters, cabinetry, and the structural options chosen before framing. Structural choices cannot be added later; cosmetic ones almost always cost less afterwards.
- 05
Incentives and rate buydowns
Often worth $15k to $40kUsually tied to using the seller’s lender or closing inside a window. Genuinely valuable, but only once compared against what the same money buys as a straight price reduction.
- 06
Release timing
Prices typically rise per phaseEarly phases of a release are commonly priced below later ones to build momentum. Buying early trades a longer wait for a lower number, and often for the better lot.
Ready to finally find your new dream home?
One call, straight answers about price, monthly cost and what is genuinely available in your area right now. Nothing to sign.