Orlando, Florida Mortgage Calculator - Monthly Payment with Taxes, PMI & Insurance

The statewide estimate uses Florida Department of Revenue 2025 final taxes levied divided by 2025 taxable value: about 0.6563% for school taxes and 1.0449% for non-school taxes before homestead exemptions. County pages override those rates with DOR county millage data.

For a qualifying primary residence, the first $25,000 exemption reduces both school and non-school taxable value. A second $25,000 exemption reduces only non-school taxable value. The Save Our Homes cap then limits annual assessed-value growth for continuing homesteads. Use this state mortgage calculator to combine that assumption with principal, interest, insurance, and PMI, then drill into county or city pages when you have a specific address.

The estimate includes deed documentary stamp tax on the sale price, mortgage documentary stamp tax on the loan amount, and nonrecurring intangible tax on the mortgage obligation. County files can override rates where Florida law differs, such as Miami-Dade deed documentary stamp tax.

With 20% down at 6.5% for 30 years, principal and interest are about $2,023. Using the statewide school plus non-school planning rates (about 1.70% combined before homestead), tax escrow is roughly $567 per month on $400,000; add $100 insurance for about $2,690 PITI without PMI. Homestead exemptions and county millage can lower or raise the tax line—use Miami-Dade or other county pages for local overrides.

This county page uses Florida DOR's 2025 county millage data, split into school and non-school components for the Florida homestead exemption calculation. Use this county mortgage calculator to combine that local assumption with principal, interest, insurance, and PMI so your monthly PITI estimate is closer to a full housing payment before you talk to a lender.

Orange County uses a local planning benchmark of about 1.74% on this page. On a $400,000 home that is roughly $6,964 per year or $580 per month in escrow before exemptions or special districts. Parcel bills can still differ—verify the levy code on the address you are buying.

With 20% down at 6.5% for 30 years, principal and interest are about $2,023. At ~1.74% property tax, monthly escrow is about $580; with $100 insurance, estimated PITI is about $2,703 without PMI. Enter your real price and down payment above to resize the estimate, including PMI if you put less than 20% down.

Orange County's ~1.74% DOR-style planning millage sets escrow, but wind and flood insurance can dominate monthly cost—especially on the coast. Model PITI here, then get insurance quotes early before relying on tax alone. Use this county mortgage calculator to combine that local assumption with principal, interest, insurance, and PMI so your monthly PITI estimate is closer to a full housing payment before you talk to a lender.

Funding availability changes throughout the year. The city has paused new applications in the past when SHIP funds were depleted. Orange County's separate DPA program may be available as an alternative. Always check current status before beginning the homebuying process.

Up to $45,000 as a 0% deferred loan. The maximum is available for very low-income households, with reduced amounts for moderate-income buyers. The loan is fully forgiven after 10 years of continuous owner-occupancy. Use this city mortgage calculator to combine that local assumption with principal, interest, insurance, and PMI so your monthly PITI estimate is closer to a full housing payment before you talk to a lender.

Orange County's combined rate averages 1.74%, with the Florida $25,000 homestead exemption reducing effective rates to about 1.2-1.4%. The median home price in Orlando is around $380,000, making it more affordable than South Florida metros. Use this city mortgage calculator to combine that local assumption with principal, interest, insurance, and PMI so your monthly PITI estimate is closer to a full housing payment before you talk to a lender.

Both cities offer strong DPA programs (Orlando $45K, Tampa $50K). Orlando's median home price is slightly higher ($380K vs $350K), but Orange County's tax rate (1.74%) is lower than Hillsborough's (1.89%). Both are excellent markets for buyers using DPA. Use this city mortgage calculator to combine that local assumption with principal, interest, insurance, and PMI so your monthly PITI estimate is closer to a full housing payment before you talk to a lender.

With 20% down at 6.5% for 30 years, principal and interest are about $2,023. At ~1.74% property tax, monthly escrow is about $580; with $100 insurance, estimated PITI is about $2,703 without PMI. Adjust inputs above to match your price, rate, and down payment.