Mortgage Calculator

Model a property purchase — down payment, loan term, closing costs and optional rental income — and compare multiple buying options side by side.

Monthly mortgage payment

COP 3.738.207

/ month

Total interest paidCOP 352.877.331

Total closing costsCOP 9.600.000

Total cost of ownershipCOP 878.577.331

Loan payoffPaid off on schedule, in 15 years.

Property type

Purchase price (COP)

Total agreed price of the property.

COP 400.000.000

Down payment — cuota inicial

COP

Edit the percentage or the amount — they stay in sync. This is paid upfront, before the mortgage covers the rest.

COP 80.000.000

Loan amount: COP 320.000.000

Loan term (years)

How many years to repay the mortgage.

Bank reference rate

Annual interest rate (%)

Pre-filled from the selected bank — fully editable.

Closing & holding costs

Notary fees (%)

Registration tax (%)

Financial transaction tax — 4x1000 (%)

Annual property tax — predial (%)

Monthly admin fee — cuota de administración (COP)

HOA-style monthly fee. Applies whether the unit is rented out or not, so it always counts toward your cost.

COP 645.000

Total closing costs: COP 9.600.000

Add extra principal payments — aportes a capitalInclude rental income (ROI analysis)

Amortization — balance over time

Mortgage scenario report

Generated on: June 18, 2026

Total cost of ownership: Everything paid over the life of the loan: purchase price, total interest, closing costs (notary, registration, 4x1000) and admin fees during the financing period. Does not include the additional projection years.

Property type	Used / resale
Purchase price (COP)	COP 400.000.000
Down payment — cuota inicial	20.0% (COP 80.000.000)
Loan amount	COP 320.000.000
Loan term (years)	15
Annual interest rate (%)	11.50%
Monthly admin fee — cuota de administración (COP)	COP 645.000
Add extra principal payments — aportes a capital	No
Include rental income (ROI analysis)	No

Estimates only — bank rates are manually curated and may not reflect live offers. Always confirm final terms with your lender.

Made with https://camilopaez.com/en/projects/real-estate-analyzer/mortgage