Step 1 of 4 · Plan · Payment calculator

What will this home really cost each month?

Pick a place, a price and a down payment. We fill in the local costs most calculators leave out: property taxes after homestead, insurance, flood and CDD fees.

Prefilled from your blueprint. Change anything.

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Lakewood Ranch

We fill in local taxes, insurance and fees for Lakewood Ranch. Pin colors compare each place's typical home with what $4,480 a month covers there.

Home price

Starts at the Manatee County median, $495,000 (August 2026).

Down payment: 3.5% ($17,325)

Conventional loans start at 3% down.

Interest rate7.40%

Freddie Mac weekly average, as of Oct 15, 2026 ↗

Your own rate will differ with your credit, down payment and points.

Filled in for Lakewood Ranch: a Conventional 30-year loan, property tax at 14.16 mills with the homestead exemption, $3,000 a year of home insurance, $2,000 a year of cdd assessment and no HOA dues.

Your monthly cost in Lakewood Ranch

$4,480 /mo

Principal and interest$3,307
Mortgage insurance (PMI)$219
Property tax$537
Home insurance$250
CDD assessment$167

PMI is an estimate; your credit sets the real price. You can ask to drop it at 80% of the home's original value, and it ends on its own at 78%.

Cash needed to close

$32,175

$17,325 down plus about $14,850 in closing costs (around 3%).

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Local heads-up: Lakewood Ranch

Most homes pay a CDD of about $1,200 to $6,400 a year on the tax bill, plus HOA dues. Get the exact amount for the home; homestead doesn't reduce it. Source: Fla. Stat. 190.048 ↗
Lakewood Ranch spans two counties. The Sarasota side has a lower tax rate, and there the buyer usually picks and pays for the title company. Source: Sarasota County Tax Collector ↗

Down payment help. 5 open programs may fit a buyer in Lakewood Ranch.

Your next step

Get pre-approved so this rate is real.

A lender checks your income and credit and tells you exactly what you can borrow. Sellers take your offer seriously with it.

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Estimates only, not a loan offer. Tax rates and market numbers come from county and Realtor association data, and the starting interest rate from Freddie Mac's weekly survey. Your real rate, taxes and insurance depend on your credit, the home and your lender.