Smarter Mortgage Estimates for Metro Atlanta Buyers

Not all mortgage calculators are created equal. National portals like Realtor.com and Zillow provide ballpark estimates, but the Quillie Real Estate TEAM mortgage calculator delivers local, accurate numbers tailored to your specific home in Metro Atlanta — including true cash-to-close and seller concessions.

You’ll find this calculator on every listing we feature, with the numbers automatically filled in for that property — and you can also use it here as a standalone tool to estimate payments and cash-to-close for any home.

Mortgage Calculator Comparison

See how national portal calculators compare to the Quillie Real Estate TEAM mortgage calculator for accuracy, features, and local insight.

Feature	Realtor.com	Zillow	Quillie Real Estate TEAM
Monthly payment breakdown	✔ P&I, taxes, insurance, PMI, HOA Generic estimates	✔ P&I, taxes, insurance, PMI, HOA Generic estimates	✔ Full breakdown with P&I, taxes, insurance, FHA MIP/PMI, HOA Property‑specific numbers
Cash‑to‑close calculation	✖ No true cash‑to‑close breakdown	✖ Focus on monthly payment only	✔ Down payment + lender fees + prepaids – seller concessions ✔ Estimated cash‑to‑close displayed
Loan type accuracy (FHA/VA)	✖ Generic PMI; FHA/VA not fully integrated	✔ Separate FHA/VA tools, but not tied to listing details	✔ FHA MIP, VA, and PMI rules reflected in scenarios ✔ Designed for real buyer use cases
Seller concessions	✖ Not included	✖ Not included	✔ Includes seller concessions (typically 0–3%) ✔ Shows impact on cash‑to‑close
Local accuracy (Metro Atlanta)	✖ National estimates	✖ National estimates	✔ Built for Metro Atlanta buyers ✔ Uses realistic local tax/insurance assumptions
Branding & Buyer Value	✖ No agent branding ✖ Leads pushed to advertisers	✖ No agent branding ✖ Promotes Zillow Home Loans	✔ Fully branded as Quillie Real Estate TEAM ✔ Built to give buyers the most realistic estimate ✔ Created by a Realtor with a CPA background

Winner: Quillie Real Estate TEAM — Accurate. Local. Transparent.

Monthly payment breakdown

Realtor.com

✔ P&I, taxes, insurance, PMI, HOA
Generic estimates

Zillow

✔ P&I, taxes, insurance, PMI, HOA
Generic estimates

Quillie Real Estate TEAM

✔ Full breakdown with P&I, taxes, insurance, FHA MIP/PMI, HOA
Property‑specific numbers

Cash‑to‑close calculation

Realtor.com

✖ No true cash‑to‑close breakdown

Zillow

✖ Focus on monthly payment only

Quillie Real Estate TEAM

✔ Down payment + lender fees + prepaids – seller concessions
✔ Estimated cash‑to‑close displayed

Loan type accuracy (FHA/VA)

Realtor.com

✖ Generic PMI; FHA/VA not fully integrated

Zillow

✔ Separate FHA/VA tools, but not tied to listing details

Quillie Real Estate TEAM

✔ FHA MIP, VA, and PMI rules reflected in scenarios
✔ Designed for real buyer use cases

Seller concessions

Realtor.com

✖ Not included

Zillow

✖ Not included

Quillie Real Estate TEAM

✔ Includes seller concessions (typically 0–3%)
✔ Shows impact on cash‑to‑close

Local accuracy (Metro Atlanta)

Realtor.com

✖ National estimates

Zillow

✖ National estimates

Quillie Real Estate TEAM

✔ Built for Metro Atlanta buyers
✔ Uses realistic local tax/insurance assumptions

Branding & Buyer Value

Realtor.com

✖ No agent branding
✖ Leads pushed to advertisers

Zillow

✖ No agent branding
✖ Promotes Zillow Home Loans

Quillie Real Estate TEAM

✔ Fully branded as Quillie Real Estate TEAM
✔ Built to give buyers the most realistic estimate
✔ Created by a Realtor with a CPA background

Mortgage Payment Calculator designed by the Quillie Real Estate TEAM

Estimated cash-to-close is for informational purposes only. Actual amounts may vary based on lender terms, credit score, taxes, insurance, HOA, and closing date. Seller concessions are negotiable and not guaranteed. Confirm final figures with your lender and title company (Quillie Real Estate TEAM).

National Mortgage Averages
Quillie Real Estate TEAM

Rates shown reflect national averages from OBMMI and may not represent specific lender pricing.

Mortgage Payment Calculator designed by Quillie Real Estate TEAM

FHA • 3.5% Down

Total Payment /mo

Purchase Price

Home price (auto-fills from listing)

Loan Program

Defaults to FHA

Term

Loan length

Credit Tier (for PMI) • FHA not affected by score

Conventional only

Down Payment

% or $

FHA min 3.5% enforced when FHA selected.

Interest Rate

APR

HOA /mo

Auto-fills only for Condo/Townhome (you can override)

Home Insurance /yr

Escrowed

Property Taxes

MLS Estimate will pull listing Annual Tax Amount when available. Fallback = 1.00%.

MLS Tax % (fallback)

Used when MLS mode

County Tax % (of price)

Used when County mode

Manual Annual Taxes ($)

Used when Manual mode

Lender Fees ($)

Auto (2% of loan)

Added to cash-to-close

Seller Concession

Reduces cash-to-close. Program max rules apply.

Prepaid Insurance (months)

Escrow setup

Prepaid Taxes (months)

Escrow setup

Total Payment /mo

Estimated Cash-to-Close

Includes down payment, lender fees, and prepaids. Less seller concession.

$0 + $0 − $0 = $0

See detailed calculator above for full breakdown.

Estimated cash-to-close is for informational purposes only. Actual amounts may vary based on lender terms, credit score, taxes, insurance, HOA, and closing date. Seller concessions are negotiable and not guaranteed. Confirm final figures with your lender and title company (Quillie Real Estate TEAM).

Details

Compare FHA vs Conventional

FHA

Payment /mo$0

Cash-to-close$0

Conventional

Payment /mo$0

Cash-to-close$0

$0 /mo difference • $0 cash difference

MI premiums generally fall between 0.58% and 1.86% of the original loan amount annually.

Credit Score: Borrowers with higher credit scores tend to get lower PMI rates.

Federal law requires mortgage lenders to automatically cancel private mortgage insurance when the balance of the mortgage drops to 78 to 80 percent of the home’s purchase price.

PMI vs. Homeowners Insurance:
It's important to remember that PMI is separate from homeowners' insurance. Homeowners' insurance protects your property from damage, while PMI protects the lender in case you default on your loan.

Mortgage Help

Down Payment
The typical rule of thumb is to pay 20 percent of the home's price as your down payment, although some mortgage loans require as little as 3.5 percent down. Your down payment reduces the total amount of your mortgage loan, so the more money you put down, the lower your payments will be - or the more expensive a house you can buy.

Loan Term
Your loan program can affect your interest rate and monthly payments. Choose from 30-year fixed, 15-year fixed, and more in the calculator.

Loan Type
There are several types of mortgage loans, but the most commonly used are fixed-rate and adjustable-rate loans. Fixed-rate loans have the same interest rate for the entire duration of the loan. That means your monthly payment will be the same, even for long-term loans, such as 30-year fixed-rate mortgages. Two benefits to this loan type are stability, and being able to calculate your total interest up front. Adjustable-rate mortgages (ARMs) have interest rates that can change over time. Typically, they start out at a lower interest rate than a fixed-rate loan, and hold that rate for a set number of years, before changing interest rates from year to year. For example, if you have a 5/1 ARM, you will have the same interest rate for the first 5 years, and then your interest rate will change from year to year. The main benefit of an adjustable-rate loan is starting off with a lower interest rate.

Interest Rate
This field is pre-filled with the current average mortgage rate. Your actual rate will vary based on factors like credit score and down payment.

Property Tax Rate
The mortgage payment calculator includes estimated property taxes based on the home's value. You can edit this in the advanced options.

Home Insurance
Home insurance or homeowners insurance is typically required by lenders, depending on the loan program. You can edit this number in the mortgage calculator's advanced options.

HOA Fees
A homeowners association fee (HOA fee) is an amount of money that must be paid monthly by owners of certain types of residential properties, and HOAs collect these fees to assist with maintaining and improving properties in the association.