What it costs to own

Monthly, all in

$16,581

$198,967/yr at $2.10M, 20% down, 6.69% over 30 yrs

Principal & interest65%$10,804

Property tax14%$2,329

Insurance4%$698

Maintenance11%$1,746

Heat3%$563

Commute3%$441

Your numbers

Purchase price — $2.10M

Down payment

$419,000Interest rate

survey 8/6/2026TermLoan

$1,676,000

20% down

Tax the purchase price, not the current assessment

Connecticut doesn't reassess on sale — you inherit Wilton's current bill ($27,950/yr) until its next revaluation. Tick this to see the bill if it were reassessed at your price.

Include commuting ($441/mo — Demo station pass, parking, fuel)

Cash to close

$481,850

$419,000 down + ~3% costs

Interest over 30 years

$2,213,348

132% of the loan, to the bank

Paid in year one

$198,967

of which $129,645 is the mortgage

If rates move

Principal and interest on this $1,676,000 loan. Everything else in the payment stays put.

5.69%	$9,717/mo	−$1,087
6.19%	$10,254/mo	−$550
6.69%	$10,804/mo	your rate
7.19%	$11,365/mo	+$561
7.69%	$11,938/mo	+$1,134

Estimates, not a quote: insurance 0.40%/yr and maintenance 1.00%/yr of value, heat from the assessor's fuel type, closing costs ~3%, PMI 0.6%/yr below 20% down. Your lender's numbers will differ. What to offer →