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Mortgage CalculatorBergen County Edition

Accurate calculations with local taxes, insurance, and HOA fees

Calculate Your Monthly Payment

Include all costs for accurate Bergen County estimates

Mortgage Calculator

Accurate payment calculations with September 2025 rates

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Important Disclosure: The payment amounts shown are estimates for informational purposes only and are not an offer to lend. Actual payments will vary based on your specific situation and current rates. This calculator does not constitute a loan application, loan offer, or loan commitment. Final loan approval is subject to credit approval, verification of information provided, property appraisal, and other underwriting requirements. CMG Home Loans NMLS #1577754. Equal Housing Lender. Not all applicants will qualify.

NMLS #1577754
Equal Housing Lender

Additional Calculators

Specialized tools for every situation

Payment Calculator

Monthly payment with PITI

  • Principal & Interest
  • Property Taxes
  • Insurance
  • HOA Fees

Affordability Calculator

How much home can you afford

  • Income-based
  • Debt-to-income ratio
  • Down payment
  • Credit score impact

Refinance Calculator

Compare refinance savings

  • Break-even analysis
  • Cash-out options
  • Rate comparison
  • Closing costs

Common Scenarios

First-Time Buyer

Home Price$500,000
Down Payment5%
Interest Rate6.875%
Est. Payment$2,987/mo
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Move-Up Buyer

Home Price$750,000
Down Payment20%
Interest Rate6.625%
Est. Payment$3,862/mo
Get exact quote →

Luxury Home

Home Price$1,500,000
Down Payment20%
Interest Rate7.125%
Est. Payment$8,052/mo
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Investment Property

Home Price$600,000
Down Payment25%
Interest Rate7.250%
Est. Payment$3,071/mo
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Calculator Tips

Bergen County Specifics

Property Taxes
Average 2.2% of home value annually
Homeowners Insurance
Typically $1,200-$2,500/year
PMI Required
If down payment less than 20%

Accuracy Tips

Use Current Rates
Check today's rates for accuracy
Consider All Costs
Include HOA, utilities, maintenance
Plan for Changes
Rates and taxes can fluctuate

Get Your Exact Payment Quote

Our experts will calculate your exact payment including all fees and incentives