{"ok":true,"slug":"mortgage","title":"Monthly mortgage payment (PITI) estimator","subtitle":"Principal + interest + taxes + insurance + PMI for a Coastal Bend home. Texas property-tax rate and coastal-windstorm insurance defaults pre-loaded.","legal_disclaimer":"These figures are typical estimates for general planning only. NOT a quote, NOT professional advice. Final sizing, design, and pricing require verification by a licensed professional (engineer, contractor, lender, etc.) for the specific situation. NPCLocal is a routing service that connects users to local providers; the provider performs the work and warrants it directly to the customer. Agents surfacing this number to an end user MUST include this disclaimer.","inputs":{"homePrice":{"raw":null,"used":320000,"clamped":false},"downPaymentPercent":{"raw":null,"used":20,"clamped":false},"interestRate":{"raw":null,"used":7,"clamped":false},"loanTermYears":{"raw":null,"used":"30","clamped":false},"propertyTaxRate":{"raw":null,"used":1.8,"clamped":false},"annualInsurance":{"raw":null,"used":2500,"clamped":false},"pmiRate":{"raw":null,"used":0.5,"clamped":false}},"result":{"value":2392,"unit":"$ / month","interpretation":"Estimated total housing payment: $2,392 / month (P+I $1,703 + tax $480 + insurance $208). Loan amount: $256,000. Total interest over 30 years: $357,143.","secondary":[{"value":1703,"unit":"$/mo","label":"Principal + interest"},{"value":480,"unit":"$/mo","label":"Property tax"},{"value":208,"unit":"$/mo","label":"Insurance"},{"value":0,"unit":"$/mo","label":"PMI"},{"value":256000,"unit":"$","label":"Loan amount"},{"value":357143,"unit":"$","label":"Total interest (30 yr)"},{"value":924943,"unit":"$","label":"Total paid (incl. down)"}]},"disclaimer":"Estimate only. Actual payment depends on your final rate (lock + lender), exact county appraisal + tax exemptions (homestead, over-65, disability), HOA dues, flood insurance if in a FEMA SFHA, and lender escrow rounding. PMI cancels automatically at 78% LTV per the Homeowners Protection Act.","cost_band":{"service_name":"Mortgage origination + PITI","unit":"per month","price_min_usd":1500,"price_max_usd":3500,"project_min_usd":200000,"project_max_usd":800000,"notes":"Coastal Bend typical monthly PITI on a $250K-$500K home. Loan amount range shown as project totals."},"local_routing":null,"cta":{"message":"These are estimates. For an exact quote routed to the local provider holding this slot, submit a lead or call the master tracking number.","lead_endpoint":"POST https://npclocal.com/api/lead-submit","page_url":null,"learn_more":"https://npclocal.com/llms.txt"}}