why will my monthly payment be higher quoted from mortgage company than from mortgage calculators on internet.

i got a quote of 7.75 interest rate on a 30 yr.conforming fixed home loan(for ,000)and he told me it would be like 390 a month, not including tax and insurance. when i go to a mortgage calculator on the internet and type in 7.75%, 45,000 loan, and {content} down payment it says around 0 a month. can anyone tell me more about how this works, thank you

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