The reality is that most online calculators on other sites are ads sold to lenders to try to hook buyers. They’re not reliable and not based on reality, which is your personal situation and your loan approval. Most online calculators underestimate payments because they don’t fully account for:
They’re designed to generate interest — not precision. When you’re looking at Padzilly’s real qualification numbers, everything is included. That’s why the numbers sometimes differ. The benefit of accurate calculations is that you shop with confidence instead of surprise.
Please consult your Mortgage Advisor for guidance specific to your situation before making changes.
Accurate property taxes
Realistic insurance costs
Mortgage insurance
HOA dues
