Mortgage calculator

What a Bellingham home really costs per month

Principal and interest plus the things national calculators leave out — Whatcom County property tax, insurance, HOA, and PMI if you're under 20% down. Adjust anything.

Home price$599,900

Down payment20% · $119,980 Interest rate6.5%

Loan term Property tax / yr% of price · Whatcom ≈ 0.95 Insurance / mo HOA / mo

Presets:

Whatcom County property tax

Roughly 0.9–1.1% of assessed value per year depending on the district; Bellingham runs about 0.95%. Paid twice a year or escrowed monthly.

First-time buyer programs

WSHFC Home Advantage and down-payment assistance can cover $10–20k. Seller-paid rate buydowns lower year-one payments. Buyer's guide →

What can I afford?

Lenders look for total housing costs under ~28% of gross income and total debts under ~43%. Irena's lenders pre-approve in a day. Search by monthly budget →