Buyer Tools
Orlando luxury mortgage calculator.
Full PITI math with Orange County's actual 1.1% millage, Florida insurance that isn't guessed, HOA, and PMI when you're under 20% down. Change any input — every number updates instantly.
Your inputs
Orange County FL runs roughly 1.0–1.2% of assessed value. Use your MLS sheet for a more precise figure.
Total monthly payment
$12,488
Principal, interest, tax, insurance and HOA
Principal vs. interest over 30 years
What these numbers mean
Reading your monthly payment.
Your monthly payment is really five checks in one. Principal and interest is the true loan payment — principal goes toward what you owe, interest goes to the lender. In the first decade of a 30-year note, more than half of every payment is interest; that's why the principal-vs-interest bar matters.
Property tax in Orange County runs about 1.0–1.2% of the home's assessed value per year, divided by twelve and escrowed with your payment. Homeowners insurance in Florida has moved a lot post-2022 — budget $3,000–$8,000 a year on a luxury home, more if you're on open water or in Zone AE.
HOA is community-specific — Isleworth and Keene's Pointe are higher, Dr. Phillips non-lake streets are near zero. PMI only applies when you put less than 20% down; it protects the lender, not you, and it falls off automatically once you cross 22% equity.
The total-paid figure is the long view. On a $1.6M loan at 6.5% for 30 years, you'll pay roughly $1.8M in interest alone — refinancing, recasting, or accelerating principal can take a real bite out of that number.