Financing is where a home purchase is won or lost. Estimate your payment, understand your loan options, and get connected with a trusted local lender — all in one place.
Quick Answer
Use the calculator to estimate your monthly payment, explore conventional, FHA, VA, and USDA loans, and get pre-approved with a trusted local lender. Your Realty Link connects Central Indiana buyers with the right financing — call 317-997-7404.
Before you fall in love with a home, it helps to know what you can comfortably afford — and which loan fits your situation. Start with a quick payment estimate below, then talk to a lender to turn it into a real pre-approval. Your Realty Link works with a network of trusted local lenders and will help you find the right fit.
Estimate your monthly principal & interest. Taxes, insurance, HOA, and mortgage insurance are not included.
Estimate only — not a loan offer or commitment. Actual terms come from your lender. For the full amortization calculator, open the Your Realty Link calculator.
As little as 3% down for well-qualified buyers. Best rates with strong credit; no upfront mortgage-insurance fee.
3.5% down and flexible credit — popular with first-time buyers. FHA loans →
0% down for eligible veterans and service members, with no monthly mortgage insurance. VA loans →
0% down in eligible rural and edge-of-metro areas of Central Indiana. USDA loans →
Your Realty Link is a real estate brokerage, not a lender, and we receive no compensation for lender referrals. We connect you with independent local lenders so you get advice tailored to your situation.
Tell us where you are in the process and we'll connect you with a trusted local lender — no pressure, no obligation.
A common guideline is keeping your total housing payment near 28% of gross monthly income, but the real answer depends on your debts, down payment, rate, and comfort level. The calculator above gives a quick payment estimate; a lender pre-approval gives you the real number. We're glad to connect you with a trusted local lender.
It varies by loan. FHA loans can go as low as the 500s–580 with a larger down payment; conventional loans usually want 620+; and the best rates go to scores around 740+. Do not assume you can't qualify — a lender can tell you exactly where you stand and what to improve.
Less than most people think. Conventional loans can go as low as 3% down, FHA is 3.5%, and VA and USDA can be 0% down for those who qualify. Indiana also has down payment assistance programs. See our down payment assistance guide.
Yes. A pre-approval tells you your real budget, shows sellers you're serious, and lets you move fast when you find the right home. It's the first real step — start with our pre-approval guide.
Not sure which loan or lender fits? Send a note and we'll point you in the right direction.