Las Vegas Mortgage Payment Calculator
Wondering what a home in Las Vegas would actually cost you each month? Use this calculator to estimate your full monthly payment, including principal and interest, property taxes, homeowners insurance, mortgage insurance and HOA dues. Compare Conventional, FHA, VA, Jumbo/Non-QM and USDA financing side by side, then talk to a local Las Vegas mortgage broker about which program fits your situation.
Mortgage Payment Calculator
Compare estimated payments for conventional, FHA, VA, jumbo or non-QM, and USDA financing.
Loan Details
Enter an estimated monthly PMI amount. PMI varies by credit score, down payment, loan program, and insurer.
Debt-to-Income Calculator
This automatically follows the estimated payment above, but you may overwrite it.
Include car payments, minimum credit card payments, student loans, child support, and similar obligations. Do not include utilities or rent.
This calculator is for educational and illustrative purposes only. Results are estimates and are not a commitment to lend, an approval, or a loan estimate. Taxes, insurance, mortgage insurance, interest rates, program fees, qualifying guidelines, and other costs can vary. Contact a licensed mortgage professional for a personalized quote.
How to Use This Calculator
Enter the home price, your down payment, the interest rate and the loan term, then add estimated yearly property taxes, homeowners insurance and any HOA dues. The calculator breaks your estimated payment into principal and interest, mortgage insurance, taxes, insurance and HOA so you can see exactly where each dollar goes. Use the program tabs to compare how an FHA, VA, USDA or Jumbo loan changes the numbers, and use the debt-to-income section to see how the payment fits your income.
What Goes Into a Las Vegas Mortgage Payment
Your monthly payment is more than just the loan itself. In the Las Vegas Valley, most buyers should plan for four pieces: principal and interest on the loan, Clark County property taxes, homeowners insurance, and mortgage insurance if your down payment is under 20 percent on a conventional loan or if you use FHA financing. Many communities in Las Vegas, Henderson and North Las Vegas, including master-planned areas like Summerlin, also carry HOA dues, so include those for an accurate picture. Nevada has no state income tax and property taxes here are generally modest compared to many states, which is part of why so many buyers relocate to Southern Nevada.
Which Loan Program Fits You?
Conventional loans generally suit buyers with solid credit and at least 3 to 5 percent down. FHA loans allow lower credit scores and 3.5 percent down, which makes them popular with first-time Las Vegas buyers. VA loans offer zero-down financing for eligible veterans and service members, a major benefit in a military-connected market like ours. USDA loans can offer zero down in eligible areas outside the urban core. Jumbo and Non-QM programs cover higher-priced homes and borrowers with non-traditional income, including the self-employed. As a wholesale mortgage broker powered by NEXA Lending, LV Mortgage Brokers shops your scenario across a broad network of wholesale lenders instead of forcing it into one bank's box.
How much are property taxes in Las Vegas?
Property taxes in Clark County are billed by the county based on assessed value and the local tax district. They are generally considered moderate compared to many other states, but the exact amount varies by neighborhood and home value, so enter your best estimate or ask us to help you pull the real figure for a specific property.
How accurate is this estimate?
It is a planning tool, not a quote. Your actual rate, mortgage insurance and closing costs depend on your credit, down payment, loan program and the lender we select together. For real numbers on a real home, get pre-qualified and we will price your exact scenario.
What down payment do I need to buy a home in Las Vegas?
It depends on the program: as little as zero down for VA and USDA, 3.5 percent for FHA, and 3 to 5 percent for many conventional options. Down payment assistance programs are also available to qualified Nevada buyers.
