🏠 True Monthly Cost Calculator
The REAL cost of your new home — including Mello-Roos, taxes, HOA & insurance
Select a community and we auto-fill the hidden costs no other site shows you
📍 Select Community
💰 Loan Details
$300K$550,000$1.2M
3%25%
3%8%
🔍 The Hidden Costs
These are auto-filled when you select a community
📊 Your True Monthly Cost
Total Monthly Payment
$4,340
per month
Principal & Interest$3,388.93
Property Tax$572.92
⚠️ Mello-Roos$0.00
HOA$0 — None!
Home Insurance (est.)$160.42
PMI (less than 20% down)$217.71
Loan Summary
Home Price
$550,000
Down Payment
$27,500 (5%)
Loan Amount
$522,500
Rate / Term
6.75% / 30yr
💡 Why This Matters
Mello-Roos and tax rates vary dramatically between communities — even ones right next to each other. A $350/mo Mello-Roos adds $126,000 over 30 years. NewHome Hub shows you the REAL cost before you buy.