As a general rule, online mortgage calculators are misleading. People take the auto inputs as gospel and are severely disappointed when they find out their actual payment is higher than that magical mortgage calculator they found online. This calculator tries to minimize that, so the home owner’s insurance and the property taxes are manual inputs. That is done on purpose. You’ll need an insurance quote to be accurate and you need to do the math on property taxes. If you buy the house, YOUR property taxes will be higher than the CURRENT property taxes because the new sales price becomes the new assessed value for the PVA. I often use 1.2% for a catch all estimated property tax rate, but property tax rates vary widely from .98% to 1.4% as a normal range. But I have seen higher and lower depending on the state and county. So do your research so you aren’t disappoointed later. Or call me. I can help. 🙂