What's my payment, actually?
The full picture — principal & interest, property taxes, homeowners insurance, and mortgage insurance — plus your estimated cash to close, with a slider for down payment assistance. Nothing here is saved or sent anywhere; the math runs entirely in your browser.
Minnesota Housing offers deferred loans up to $18,000 — and up to $35,000 for eligible first-generation buyers (reviewed July 2026). Program details →
- Principal & interest$0
- Property taxes$0
- Homeowners insurance$0
- Mortgage insurance (est.)$0
- Total monthly (est.)$0
- Down payment$0
- Est. closing costs (~3%)$0
- Down payment assistance−$0
- Estimated cash to close$0
Like your number? The next step is a real pre-approval — verified income, assets, and credit — so the number is one you can write an offer with.Apply with Spencer or call/text507-261-1078, nights and weekends included.
Calculator results are estimates for illustrative and educational purposes only and are not a quote, pre-qualification, pre-approval, or commitment to lend. Accuracy is not guaranteed. Your actual rate, payment, and costs will vary based on your complete application, credit profile, and property. Mortgage insurance estimated at typical conventional/FHA factors by down payment; your quote may differ.
Turn the estimate into a pre-approval
Ten minutes on Fairway's secure application, and Spencer takes it from there.
Applications run entirely on Fairway's secure systems — this site collects nothing.