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Straight Talk on Central Florida Real Estate
Personal takes, client education, and market opinions written from the ground.
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Florida Mortgage Calculator
Estimate your monthly payment with live rates and the Florida closing taxes most calculators leave out.
Rates shown are the site's currently published rates and change frequently. Default price is the reported Polk County median sale price of $311,230 (September 2026). Tax, insurance, and HOA/CDD figures are placeholders — adjust them for the specific property.
Your estimated payment
$2,131/mo
- Principal & interest
- $1,631.49
- Property tax
- $300.00
- Homeowners insurance
- $200.00
- HOA / CDD
- $0.00
Florida closing taxes on this loan
- Doc stamps on the note ($0.35/$100)
- $871.50
- Intangible tax (0.2% of loan)
- $497.97
- Buyer total
- $1,369.47
For context: the seller customarily pays documentary stamps on the deed at $0.70 per $100 of price — about $2,179 on this home.
Estimate only, not a loan offer or financial advice. Your rate, taxes, insurance, and fees depend on the property, your credit, and your lender.
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