Greater Baton Rouge ยท Buyer Payment Calculator

What would your monthly payment really be?

The sticker price is only part of it. Estimate your full monthly payment, including Louisiana homeowners and flood insurance, plus the cash you'll need to close. The figures below are an example; change any of them.

The home and the loan
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Example is close to the Greater Baton Rouge median (Aug. 2026).
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Many first-time buyers put down 3% to 5%. Ask about down payment assistance.
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Example uses the national 30-year average from early October 2026. Your lender will quote your actual rate.
A 30-year loan keeps the payment lowest.
Taxes, insurance and dues
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If you live in the home, Louisiana's homestead exemption takes the first $75,000 of value off your parish property tax. Ask us for the real number on a specific home.
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Louisiana premiums run high. Get a quote before you make an offer.
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Required by lenders in high-risk flood zones, and worth considering everywhere after 2016.
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Common in newer subdivisions in Ascension and Livingston.
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Yearly, as a % of the loan. Only applies with less than 20% down.
Cash to close
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Lender fees, title, appraisal, prepaid insurance and taxes. A rough estimate.
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Sellers often agree to cover some closing costs. We negotiate this for you.

This is an estimate for planning only, not a loan offer or pre-approval. Your actual rate, payment, mortgage insurance, taxes, insurance and closing costs depend on your credit, loan type, lender and the specific property. "Income to qualify" assumes your total housing payment stays at or under 28% of your gross monthly income; lenders also look at your other debts. Talk with a licensed lender for exact numbers.