Financing

Know what a home costs you, monthly.

A mortgage calculator and a Claude-powered assistant for your financing questions. Use them before you start submitting offers, then close through the lender of your choice.

Calculator

What you would pay each month.

Home price$420,000
Down payment20% · $84,000
Interest rate7.00%
Term30 years
Monthly · all-in
$2,795
Principal & interest
$2,235
Property tax (est. 1.1%)
$385
Insurance (est. 0.5%)
$175

Estimates only. Tax and insurance assume Georgia averages. Get a binding rate from a lender.

Mortgage assistant
AI · Claude

Ask a financing question.

Plain-English answers about loans, closing, and local-program eligibility. Not a binding rate quote — your lender owns the binding numbers.

Loan options

Five loan types buyers actually use.

Conventional

Most common. Best fit for buyers with stable income and strong credit. PMI applies under 20% down.

Down min
3%
Credit min
620
FHA

Government-backed, more forgiving on credit. Mortgage insurance lasts the life of the loan if you put under 10% down.

Down min
3.5%
Credit min
580
VA

Zero down for eligible veterans, active military, and surviving spouses. No PMI, lower rates.

Down min
0%
Credit min
580
USDA

Zero down for eligible rural and suburban Georgia properties — much of north and south Georgia qualifies.

Down min
0%
Credit min
640
Georgia Dream

State-backed first-time buyer program. Down-payment assistance up to $10,000 (more for some counties / professions).

Down min
Varies
Credit min
640
Georgia specifics

What buyers should expect.

  • 01Earnest money in Georgia is typically 1–3% of the offer, due within three days of an accepted contract.
  • 02Georgia is an attorney-closing state. Budget $600–$1,200 for the closing attorney; the seller and buyer often share one.
  • 03Most Georgia sellers expect a pre-approval letter before they review your offer. Get one before you start submitting.
  • 04Inspections in Georgia usually run $300–$500 and happen inside the inspection contingency window (often 7–10 days).
  • 05Georgia charges intangible recording tax of $1.50 per $500 of mortgage and a transfer tax of $1 per $1,000 of sale price.
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