Mortgage Calculator Kansas City: 2025 Payment Estimates

Plan your Kansas City home purchase or refinance with Metropolitan Mortgage Corporation’s free mortgage calculator. As a trusted local lender since 1997, we offer precise estimates for KC’s market (median home price: $290,000, October 2025). Use current rates (30-year fixed: 5.99%), taxes ($3,770/year, ~$314/month), and insurance ($2,800/year, ~$233/month).

Use Our Kansas City Mortgage Calculator

Enter details for instant PITI estimates, including principal & interest, taxes, insurance, PMI, and HOA (e.g., Lee’s Summit). Features amortization schedules and loan comparisons. Email results for details.

$

20%

1.3%

5.99%

0%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly PMI $0

*Monthly mortgage payments reflect Principal and Interest, Taxes, Insurance, and HOA dues. Does not include PMI (<20% down payment). These rates and figures are estimates for educational purposes only and do not reflect an official mortgage loan offer.

Sample Output: Monthly Payment: $1,937 (Principal & Interest: $1,389, Taxes: $314, Insurance: $233, PMI: $0)

Sample Calculation: $290,000 KC Home

Input Value
Purchase Price $290,000
Down Payment 20% ($58,000)
Loan Amount $232,000
Interest Rate 5.99%
Loan Term 30 years
Property Taxes $314/month
Insurance $233/month
HOA $0

Results: Monthly Payment: $1,937 (P&I: $1,389); Total Interest: $268,200; Payoff: October 2055.

Amortization (First 5 Years)

Year Principal Paid Interest Paid Balance
1 $2,854 $13,819 $229,146
2 $3,030 $13,644 $226,116
3 $3,217 $13,457 $222,899
4 $3,415 $13,259 $219,484
5 $3,625 $13,049 $215,859

Compare Loan Types in Kansas City

  • Conventional: 3-20% down, 5.99% rate, PMI if <20%.
  • FHA: 3.5% down, 5.75% rate, includes MIP.
  • VA: 0% down, 5.5% rate, funding fee.
  • USDA: 0% down for rural KC areas.
  • ARM: 5.75% initial rate, adjusts after 5 years.

Example: 15-year term at 5.375% raises P&I to $1,876, saves $163,000 in interest.

Factors Affecting Your Payment

  • Rates: Credit >740 gets better rates (e.g., 5.99% vs. 6.75%).
  • Taxes/Insurance: KC averages $3,770/year taxes, $2,800/year insurance.
  • PMI: ~$100/month for $232,000 loan if <20% down.

Why Our Calculator?

  • Accurate with 2025 KC data.
  • Transparent PITI breakdowns.
  • Free, no commitment.

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Rates/data as of October 14, 2025. Not a loan offer.

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