Financial Tools

Mortgage Calculator

Understand your payment before you tour. Model purchase price, down payment, loan terms, interest rates, and property taxes across Raleigh, Cary, and Durham.

Loan Parameters

Estimated Monthly Payment

$3,982

Principal & Interest: $3,287
Property Taxes (~0.85% NC): $460
Homeowners Insurance: $160
HOA Dues: $75

*Estimates are for illustrative purposes. Connect with our team to verify local tax rates and lender options.

NC Financing Insights

What Triangle Buyers Need to Know About Mortgages

01

NC Due Diligence Fee

Unlike earnest money held in escrow, NC due diligence is paid directly to the seller upon offer acceptance. It is non-refundable if you walk away.

02

Pre-Approval vs Pre-Qual

Always obtain a verified underwritten pre-approval letter rather than a simple online pre-qualification before submitting Triangle offers.

03

Estimated Closing Costs

In Wake and Durham counties, plan for 2% to 3.5% in closing costs including closing attorney fees, title insurance, and lender fees.