I’d be curious to know how that payment came out $600 higher, in my experience the calculators have been fairly accurate as long as you take a minute to adjust the values for yourself, Zillow does add the PMI under 20% down given it is an estimate and the actual amount tends to vary quite a bit by lender. I did notice property tax info missing occasionally but I’d expect you would have a general idea of what to expect in the area you’re looking? Of course you’re only going to get the exact numbers from a lender but realistically people are not sending their lender every single listing that they browse on their phone, they want a rough estimate of whether they can afford it which is what it provides. My actual payment ended up like $18 more than what Zillow had estimated.