How is a monthly mortgage payment calculated?

Your monthly mortgage payment has four components: principal and interest (based on your loan amount, interest rate, and term), property taxes, homeowners insurance, and any required mortgage insurance. This calculator breaks down each component so you can see exactly where your money goes.

Do VA loans require a down payment?

No. VA loans allow eligible veterans and active-duty service members to purchase a home with zero down payment. A one-time VA funding fee is typically rolled into the loan amount, and VA loans never require private mortgage insurance (PMI).

What is PMI and when can it be removed?

Private mortgage insurance (PMI) is required on conventional loans when your down payment is less than 20%. PMI is automatically canceled once you reach 20% equity in your home. VA loans never require PMI, and FHA loans use a separate mortgage insurance premium (MIP) structure.

What is the difference between FHA and conventional loans?

FHA loans require as little as 3.5% down and include an upfront mortgage insurance premium (1.75%) plus annual MIP. Conventional loans typically require 5% or more down and charge PMI only when the down payment is under 20% — and PMI can be canceled once you reach 20% equity. FHA MIP may be required for the life of the loan if your down payment is under 10%.

Lock Lloyd, MO

17040 S Highland Ridge Drive Loch Lloyd, MO 64012

$4,750,000

5 Beds 6 | 3 Baths 7,106 SqFt Listing No. 2597814 Property Type: House camera

(84)

Details

16900 Highland Ridge Drive Loch Lloyd, MO 64012

$4,500,000

5 Beds 4 | 2 Baths 9,891 SqFt Listing No. 2604348 Property Type: House camera

(97)

Details

55 Hever Knoll N/A Loch Lloyd, MO 64012

$2,650,000

6 Beds 5 | 1 Baths 7,100 SqFt Listing No. 2598747 Property Type: House camera

(54)

Details

16931 S Highland Ridge Drive Loch Lloyd, MO 64012

$2,195,000

5 Beds 4 | 1 Baths 6,950 SqFt Listing No. 2601499 Property Type: House camera

(92)

Details

60 W Dundee Court Loch Lloyd, MO 64012

$2,100,000

4 Beds 4 | 2 Baths 7,118 SqFt Listing No. 2609604 Property Type: House camera

(67)

Details

15915 Glenfinnan Way Loch Lloyd, MO 64012

$2,058,900

4 Beds 4 | 1 Baths 3,491 SqFt Listing No. 2588140 Property Type: House camera

(73)

Details

740 Suffolk Lane Loch Lloyd, MO 64012

$1,195,000

3 Beds 3 Baths 4,457 SqFt Listing No. 2602123 Property Type: House

Virtual Tour camera

(46)

Details

16661 S Country Club Drive Loch Lloyd, MO 64012

$1,175,000

4 Beds 3 | 1 Baths 4,070 SqFt Listing No. 2609529 Property Type: House camera

(21)

Details

Coming Soon On 04/30/2026

16719 Country Club Drive Loch Lloyd, MO 64012

$1,050,000

4 Beds 4 | 1 Baths 4,238 SqFt Listing No. 2612286 Property Type: House

Details

16942 E Heather Lane Loch Lloyd, MO 64012

$799,000

4 Beds 3 | 1 Baths 3,890 SqFt Listing No. 2604236 Property Type: House camera

(81)

Details

17040 S Highland Ridge Drive Loch Lloyd, MO 64012
$4,750,000
Beds 5 Baths 6 | 3 SqFt 7,106 Property Type House
- (84)

16900 Highland Ridge Drive Loch Lloyd, MO 64012
$4,500,000
Beds 5 Baths 4 | 2 SqFt 9,891 Property Type House
- (97)

55 Hever Knoll N/A Loch Lloyd, MO 64012
$2,650,000
Beds 6 Baths 5 | 1 SqFt 7,100 Property Type House
- (54)

16931 S Highland Ridge Drive Loch Lloyd, MO 64012
$2,195,000
Beds 5 Baths 4 | 1 SqFt 6,950 Property Type House
- (92)

60 W Dundee Court Loch Lloyd, MO 64012
$2,100,000
Beds 4 Baths 4 | 2 SqFt 7,118 Property Type House
- (67)

15915 Glenfinnan Way Loch Lloyd, MO 64012
$2,058,900
Beds 4 Baths 4 | 1 SqFt 3,491 Property Type House
- (73)

740 Suffolk Lane Loch Lloyd, MO 64012
$1,195,000
Beds 3 Baths 3 SqFt 4,457 Property Type House
- Virtual Tour
- (46)

16661 S Country Club Drive Loch Lloyd, MO 64012
$1,175,000
Beds 4 Baths 3 | 1 SqFt 4,070 Property Type House
- (21)

16719 Country Club Drive Loch Lloyd, MO 64012

Coming Soon On 04/30/2026
$1,050,000
Beds 4 Baths 4 | 1 SqFt 4,238 Property Type House

16942 E Heather Lane Loch Lloyd, MO 64012
$799,000
Beds 4 Baths 3 | 1 SqFt 3,890 Property Type House
- (81)

(84)

address

17040 S Highland Ridge Drive, Loch Lloyd, MO 64012

price

$4,750,000

beds

5 5 Beds

baths

6 | 3 6 | 3 Baths

lot size

7,106 SqFt 7,106 SqFt

listing no.

2597814 Listing No. 2597814

property type

House Property Type: House

gallery photos

camera (84)

(97)

address

16900 Highland Ridge Drive, Loch Lloyd, MO 64012

price

$4,500,000

beds

5 5 Beds

baths

4 | 2 4 | 2 Baths

lot size

9,891 SqFt 9,891 SqFt

listing no.

2604348 Listing No. 2604348

property type

House Property Type: House

gallery photos

camera (97)

(54)

address

55 Hever Knoll N/A, Loch Lloyd, MO 64012

price

$2,650,000

beds

6 6 Beds

baths

5 | 1 5 | 1 Baths

lot size

7,100 SqFt 7,100 SqFt

listing no.

2598747 Listing No. 2598747

property type

House Property Type: House

gallery photos

camera (54)

(92)

address

16931 S Highland Ridge Drive, Loch Lloyd, MO 64012

price

$2,195,000

beds

5 5 Beds

baths

4 | 1 4 | 1 Baths

lot size

6,950 SqFt 6,950 SqFt

listing no.

2601499 Listing No. 2601499

property type

House Property Type: House

gallery photos

camera (92)

(67)

address

60 W Dundee Court, Loch Lloyd, MO 64012

price

$2,100,000

beds

4 4 Beds

baths

4 | 2 4 | 2 Baths

lot size

7,118 SqFt 7,118 SqFt

listing no.

2609604 Listing No. 2609604

property type

House Property Type: House

gallery photos

camera (67)

(73)

address

15915 Glenfinnan Way, Loch Lloyd, MO 64012

price

$2,058,900

beds

4 4 Beds

baths

4 | 1 4 | 1 Baths

lot size

3,491 SqFt 3,491 SqFt

listing no.

2588140 Listing No. 2588140

property type

House Property Type: House

gallery photos

camera (73)

VIRTUAL TOUR

(46)

address

740 Suffolk Lane, Loch Lloyd, MO 64012

price

$1,195,000

beds

3 3 Beds

baths

3 3 Baths

lot size

4,457 SqFt 4,457 SqFt

listing no.

2602123 Listing No. 2602123

property type

House Property Type: House

virtual tour

VIRTUAL TOUR

gallery photos

camera (46)

(21)

address

16661 S Country Club Drive, Loch Lloyd, MO 64012

price

$1,175,000

beds

4 4 Beds

baths

3 | 1 3 | 1 Baths

lot size

4,070 SqFt 4,070 SqFt

listing no.

2609529 Listing No. 2609529

property type

House Property Type: House

gallery photos

camera (21)

Coming Soon On 04/30/2026

address

16719 Country Club Drive, Loch Lloyd, MO 64012

price

$1,050,000

beds

4 4 Beds

baths

4 | 1 4 | 1 Baths

lot size

4,238 SqFt 4,238 SqFt

listing no.

2612286 Listing No. 2612286

property type

House Property Type: House

(81)

address

16942 E Heather Lane, Loch Lloyd, MO 64012

price

$799,000

beds

4 4 Beds

baths

3 | 1 3 | 1 Baths

lot size

3,890 SqFt 3,890 SqFt

listing no.

2604236 Listing No. 2604236

property type

House Property Type: House

gallery photos

camera (81)

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Lock Lloyd, MO

Lock Lloyd, MO