Adobe & Arroyo Mortgage Calculators

Updated October 2026

Compare loan eligibility, written offers and full ownership costs before making a mortgage decision.

Loan Program Comparison: 2026 Benchmarks

Adobe & Arroyo Mortgage Calculators — Use the note rate for amortization, then add taxes, insurance and mortgage insurance. Stress-test assumptions and share only numeric scenario inputs, never personal identifiers.

Historical 2025 one-unit comparison: conforming $806,500; FHA floor $524,225. County and unit-count limits can differ.

Loan program	Down payment / equity	2026 one-unit baseline	Costs and page-specific comparison
Conventional	3%–5% subject to eligibility	$832,750	PMI generally below 20% down
FHA	3.5% at 580+; 10% at 500–579	$541,287 floor	1.75% upfront MIP; 0.55% annual for >95% LTV, base loan ≤$726,200, term >15 years
VA	0% for eligible borrowers	No VA limit with full entitlement	No monthly PMI; funding fee unless exempt
USDA	0% for eligible borrowers	Income, address and repayment eligibility	Guarantee and annual fees; confirm current schedule
Jumbo	Lender-specific cash and reserves	Above applicable conforming limit	Lender-specific pricing and insurance
Home Equity / Refinance	Equity and underwriting dependent	Property and lender dependent	Compare closing costs, term and break-even

Sources: FHFA limits; HUD FHA limits.

Embed & Attribution Guide for Publishers

Journalists, real estate educators, and local housing organizations may embed our mortgage calculators using ?embed=1 with attribution to Adobe & Arroyo.

<iframe src="https://adobeandarroyo.com/monthly-payment-calculator.html?embed=1" width="100%" height="680" style="border:0" title="Monthly Mortgage Payment Calculator" loading="lazy"></iframe>
<p>Source: <a href="https://adobeandarroyo.com/monthly-payment-calculator.html">Adobe & Arroyo</a></p>

Editorial Methodology & Primary Sources

Verification date: Not recorded; check the primary source and lender timestamp before relying on an estimate.

Rate comparisons use participating lender feeds, not a whole-market survey or guaranteed offers. Freddie Mac PMMS is a market benchmark, not a personalized quote. Calculator models rely on published regulatory formulas and disclosed assumptions rather than fabricated first-person loan testing.

Monthly principal and interest use the amortization formula P × r / (1 − (1 + r)⁻ⁿ), where r is the monthly note rate and n is the number of payments; at zero interest use P / n. PITI adds monthly property taxes and homeowners insurance; PMI is separate. APR includes applicable finance charges under Regulation Z and is not the note rate used for payments. Compare lender Loan Estimates for actual APR and fees.

Consumer Financial Protection Bureau (CFPB) — Loan Estimates, APR and borrower disclosures; Regulation Z.
U.S. Department of Housing and Urban Development (HUD / FHA) — FHA program guidance.
U.S. Department of Veterans Affairs (VA) — VA loan eligibility and benefits.
Freddie Mac Primary Mortgage Market Survey (PMMS) — published rate benchmarks.
U.S. Census state tax collections — state property tax benchmarks; confirm parcel-specific assessments and exemptions with the state revenue department and local assessor.

The payment snapshot uses illustrative annual taxes of 1% of home price, $1,200 insurance and 0.5% PMI below 20% down, not verified local quotes. Other calculators disclose their inputs and assumptions. Published guidance and lender feeds may change independently; confirm current program rules, taxes and offers before a decision.