There's an easy mortgage calculator on my web site (click below) that automatically estimates taxes, real estate taxes, insurance and Mortgage Insurance (if required).
This is a great time to buy - prices and interest rates are at historic lows - and remember the seller pays the commission for both listing and buyer's agents.
One other thought on mortgages. If you wait till mortgage rates go up just one percent from where they are now, a $125,000 loan will cost you an additional $19,737.78 in mortage interest over a 30 year loan.
If I am reading correctly and your queston is on a remodeled structure but not yet completed, then you need to consult financing with either 230K FHA financing or Conventional Remodel loan.
If your question is on new Construction, then FNMA's guidelines is 9 months.... more