Peak FinancialBack to home ↗
PEAK FINANCIAL / PAYMENT CALCULATOR

Your home.
Your possibilities.

Turn available builder incentives into the basement you’ve always wanted. Finish your basement after closing with a dedicated allowance held in escrow.

Compare your basement budget, down payment, and payment options. See how it works ↗

01

Start with your home

HOME & FINANCING
CUSTOMIZE YOUR INCENTIVES
%Percentage of the original home price.
Add a custom down payment
Optional. A dollar amount stays fixed as the final price changes. A percentage applies to the final reduced price.
Temporary buydown
%
Taxes, insurance & other assumptions
Illustrative primary-residence effective tax rates; actual rates vary by taxing district, property valuation, and exemptions. Selecting a city resets the tax estimate; you can override it below.
%

30-year conventional purchase loan. PMI estimates use Arch MI’s published February 9, 2026 borrower-paid monthly rate card, standard coverage, with no adjustments. Actual PMI depends on insurer, underwriting, DTI, occupancy and other factors. Scores below 620 require an individual quote.

Starting tax and insurance percentages are illustrative estimates based on home price. City selections are planning estimates, not official tax quotes. Switch either field to monthly dollars to override. Enter the actual amounts when known.

02 / EXPLORE YOUR OPTIONS

Estimated monthly payments

Updates as you type

Compare 5%, 10%, 15% and 20% down, or add a custom amount. Estimates include principal, interest, property taxes, insurance, PMI and HOA.

Concessions first cover the estimated closing costs, other upfront costs, basement budget and selected buydown. Any remainder reduces the price. If funds fall short, the calculator shows an additional buyer contribution instead of increasing the home price. The builder’s total concession dollars are held fixed from the original price.

Donivan Norton
LET’S MAKE IT PERSONAL

Like what you see?
Connect with Donivan.

Have a question or want numbers tailored to your home? Reach out directly.

TextCallEmail
Apply Now

Follow us on socials

Estimates only. Not a Loan Estimate, rate lock, commitment to lend or guarantee of eligibility. Interest rates and costs are illustrative. Builder incentives, price reductions, temporary buydowns and basement escrow holdbacks require lender and builder approval and are subject to program limits. This calculator does not determine allowable seller concessions or include all possible prepaid items and fees. Basement completion timing and eligibility must be confirmed for the specific program.