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*Your actual rate, payment and costs could be higher. Get an official loan estimate before choosing a loan. This calculator is for informational purposes only. The calculator automatically assumes a 10% down payment. The monthly payment shown excludes mortgage insurance, which is required on conventional loans with less than 20% down and on FHA loan. The monthly payment shown also does not include HOA assessments, property taxes or homeowner's insurance. Hakes Brothers does not guarantee the accuracy of these figures. Please consult with your mortgage representative for additional information.