Ardi KotoniSenior Mortgage Planner / Underwriter
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First-Time Buyer Calculator

Calculate a realistic monthly budget and down payment goal for your first home.

Try your numbers

What could the monthly cost look like?

Enter a home price, down payment, rate, and loan term. Watch the results update instantly.

That is 5.0% of the home price.

Estimated Taxes & Insurance

Modify if you know the exact numbers.

Estimated monthly housing cost

$3,052
Principal + interest
$2,402
Property taxes
$400
Property insurance
$100
Mortgage insurance & HOA
$150
Estimated loan amount$380,000

Planning estimate only. It assumes a fixed-rate loan with level payments and uses only the costs you entered. It does not include utilities, maintenance, closing costs, or program eligibility.

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Ardi Kotoni seated at his desk in a navy blazer

Start With A Conversation

Let’s look at your options.

Discuss your scenario directly with Ardi. Get clear underwriting analysis before making any commitments.

Submitting sends your request directly to Ardi. No sensitive SSN data is stored on site.

Direct:(781) 502-1161·akotoni@msamortgage.com

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