The calculator below is pre-filled with Orange County's own property tax rate and insurance average (expand "More options" to see or edit them) — not just Florida's statewide figures.

Orange County at a glance

Effective property tax rate: 0.75% of home value / year
Median home price: $410,494
Homeowners insurance (avg/year): $4,145
Conforming loan limit (1-unit, 2026): $832,750

County data last updated 2026-08-28. FIPS 12095. Full source list on /methodology.

Orange County, FL mortgage payment calculator

All-in cost first, always — pre-filled with Orange County tax and insurance figures. Estimate only, not a loan quote or pre-approval.

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Mortgage points calculator

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Related reading

Closing Costs in Florida: What You'll Actually Pay

Florida taxes the deed and the loan separately. Here's what closing on a $425,000 Florida home really costs, and why the mortgage stamps add $1,870.

What Is PMI, and How Do You Get Rid of It?

Private mortgage insurance explained in plain English — what it costs, why it exists, the exact federal rules for cancelling it, and how to work out the month your PMI is scheduled to end.

Guides & templates

Buying a Home With Someone Else

The operational guide to buying property with a partner, friend, sibling, or parent — credit and DTI mechanics, title vesting, a clause-by-clause co-ownership agreement, and how the exit actually works.

The First-Time Buyer's Playbook: 12 Months to Closing Day

A month-by-month plan for the year before you buy: what to do in each phase, what never to touch, how to document every dollar, and how to survive closing day.

Florida at a glance

Median home price: $425,000
Typical closing costs: 2%–5% of price
Transfer tax: 0.7% of sale price, customarily paid by seller
Closing custom: varies
Homestead exemption: Florida's homestead exemption exempts up to $50,000 of assessed value: the first $25,000 applies to all taxes including school district tax; an additional $25,000 (on the portion of assessed value between $50,000-$75,000) applies to all taxes EXCEPT school district tax. Combined with the 'Save Our Homes' cap, which limits annual increases in assessed (not market) value to the lesser of 3% or the change in CPI (2.9% for the 2025 tax roll), this can create a large and growing gap between assessed and market value over time. Also provides constitutional creditor/judgment protection on the homestead. A ballot measure to raise these amounts to $150,000/$250,000 was pending as of this research and is NOT yet law — only the current $25,000/$25,000 figures are used here.

First-time buyer / down payment assistance programs

Florida Hometown Heroes Housing Program
Florida Housing Finance Corporation program offering down payment and closing cost assistance up to $35,000 as a 0%-interest deferred second mortgage (repaid at sale, refinance, or when the home is no longer a primary residence) for frontline/essential workers — teachers, nurses, first responders, military/veterans, and roughly 50 other qualifying occupations — buying a primary residence.
FL Assist
Statewide Florida Housing Finance Corporation down payment assistance program: a deferred, 0%-interest second mortgage up to $10,000 with no monthly payment, repaid at sale, refinance, or payoff of the first mortgage.
Florida Homeownership Loan Program (FL HLP)
Florida Housing Finance Corporation second-mortgage down payment assistance of $12,500, at a 3% fully-amortizing fixed rate over a 30-year term with a small monthly payment; cannot be combined with Hometown Heroes.