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.

Where are you looking?

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Venice

We fill in local taxes, insurance and fees for Venice. Pin colors compare each place's typical home with what $4,132 a month covers there.

Home price

Starts at the Sarasota County median, $470,000 (August 2026).

Down payment: 3.5% ($16,450)

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 Venice: a Conventional 30-year loan, property tax at 14.93 mills with the homestead exemption, $3,000 a year of home insurance and no HOA dues.

Your monthly cost in Venice

$4,132 /mo

Principal and interest$3,140
Mortgage insurance (PMI)$208
Property tax$534
Home insurance$250

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

$30,550

$16,450 down plus about $14,100 in closing costs (around 3%).

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Local heads-up: Venice

Low coastal streets flooded in Hurricane Milton. Get the seller's flood disclosure and a flood insurance quote before you make an offer. Source: Fla. Stat. 689.302 ↗
Many Venice homes are older. Ask the roof's age early: insurers can require an inspection on roofs 15 years or older. Source: Fla. Stat. 627.7011 ↗

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

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.