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Calculating Costs

One of the first questions people ask themselves when searching for their dream home is, "Can I afford it?" One of the many benefits of purchasing a modular home is the price. A Westchester Modular Home can not only provide you with superior quality controlled construction, but may result in a 5 - 10% savings over stick-built construction. This could help you save thousands of dollars over the course of a 15- or 30-year mortgage loan.

What to Consider When Using Our Modular Home Cost Calculator

Our modular home mortgage calculator is a useful tool that can give you a good idea of how much you can expect to pay in monthly mortgage payments for your new home. Our easy-to-use modular calculator will help you take a realistic approach to the home purchasing process by allowing you to target homes that fit your budget. You won’t waste valuable time trying to obtain a mortgage for a home that may be out of your price range — or get stuck in a house you can’t afford.

If you’re like many people who choose to design and build a modular home from the ground up, you’ll need to consider all the costs associated with the construction process, which includes the following items:

  • Property
  • On-Site Construction Work (Foundation, Mechanicals, etc.)
  • Landscaping
  • Options
  • Fireplace
  • Garage
  • Appliances
  • Special Windows (Boxed Out, Angle Bay)
  • Tile and Hardwood Flooring
  • Financing

How to Calculate My Modular Home Mortgage

Our modular home cost estimator does all the work for you! To get started, add up your costs from the previous section (property, on-site construction, landscaping, etc.) to help you determine the total mortgage amount, and type the figure into the “Mortgage Amount” box.

Then, enter the down payment you expect to make on a property and choose your preferred mortgage length (a 30-year mortgage will provide lower monthly payments than a 15-year loan) followed by the interest rate. Click on the “Calculate” button and check the amount in the “Payment Amount” box to view your estimated monthly payment.

Mortgage Amount
Down Payment
Mortgage Length
Interest Rate
Payment Amount(Per Month)


Disclaimer: Use of this calculator is at the user's risk. Westchester Modular Homes Inc. makes no claim or guarantee of accuracy and disclaims any liability arising out of the use thereof.


Contact Us to Learn More About Our Modular Home Calculator

Have questions about using our modular home cost calculator? Still not sure if a modular home fits your budget? Contact Westchester Modular Homes for more information today. With more than 30 years of experience in high-quality modular home construction, we can provide the expert advice you need to make the right decision. We’ll help you explore all your options and provide guidance in finding affordable financing for your construction project.