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New Mexico Mortgage Calculator

Estimate your monthly mortgage payment in New Mexico, including principal, interest, estimated property taxes, and homeowners insurance.

Related Finance & Loan Calculators

How to Use the New Mexico Mortgage Calculator

  1. Home Price: Enter the total purchase price of the home in New Mexico.
  2. Down Payment: Input the amount of money you are paying upfront.
  3. Loan Term & Interest Rate: Select the length of your loan (e.g., 30 years) and the annual interest rate.
  4. Taxes & Insurance: Enter the estimated annual property taxes and homeowner's insurance premium. The calculator pre-fills an estimate based on state averages.
  5. Calculate: See your estimated monthly PITI (Principal, Interest, Taxes, Insurance) payment.

New Mexico Homebuyer FAQ

What is the average property tax in New Mexico?

New Mexico enjoys one of the lowest average effective property tax rates in the United States, typically around 0.58% of a home's assessed value. Our calculator uses this as a baseline to provide an initial estimate, but actual rates vary by county.

Are there special programs for homebuyers in New Mexico?

Yes, the New Mexico Mortgage Finance Authority (MFA) offers various programs like FIRSTHome and NEXTHome, which can provide down payment assistance and competitive interest rates for eligible buyers. It is highly recommended to check their official website for the latest details and eligibility requirements.

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