Mortgage Calculator

Estimate your monthly payment including taxes, insurance and PMI.

Home Value

The total purchase price of the property. Down payment plus loan amount equals home value.

$50k$2M

Down Payment

Cash you'll pay up front. The rest is financed as the loan amount.

Down %

Down payment as a percentage of home value. Reaching 20% typically eliminates PMI.

0%50%100%

Loan Amount

The mortgage principal — home value minus your down payment. This is the amount you'll borrow.

Mortgage Program

These are the mortgage programs offered by Amplify Credit Union. Pick one to auto-fill the matching interest rate and loan term. Prefer to enter your own values? Just edit either field and the selector will clear. Rates last updated on 11/5/2026. Keep in mind these rates are for estimating only — your actual rate will vary based on factors outside the scope of this calculator, so this isn't a formal rate quote.

Interest Rate

Annual interest rate on the loan. Drives your monthly principal & interest payment.

Loan Term

Years to repay the loan. Longer terms lower the monthly payment but increase total interest paid.

Property Tax / yr

Annual property tax in dollars. Divided by 12 and added to your monthly payment as part of escrow.

Insurance / yr

Annual homeowners insurance premium. Divided by 12 and included in your monthly payment.

PMI / yr

Private mortgage insurance as an annual % of the loan. Auto-adjusts based on down payment %: 20%+ → 0, 10–20% → 0.5%, 5–10% → 0.75%, 3.5–5% → 1%, under 3.5% → 1.5%.

HOA / mo

Monthly homeowners association fee for condos, townhomes, or planned communities.

Start Date

Month of your first mortgage payment. Drives the loan pay-off date and amortization schedule.

Shalinee Bhardwaj NMLS ID #2037610

Mortgage Originator · Amplify Credit Union

Free Reports from Shalinee Bhardwaj

Credit Analysis & Pre-Approval With identity theft on the rise, reviewing your credit report with a professional is a necessary step if you are considering purchasing a new home. We can provide you with a full credit report and approval analysis complete with FICO scores.
Free Home Valuation Curious what your home is really worth in today's market? Get a fast, data-driven estimate using a professional-grade AVM — powered by the same technology lenders use to evaluate properties for financing.
Mortgage Planning When buying a new home it is vital that you choose a mortgage that best fits you. We can provide you with a Free Mortgage Planning Report that will identify the mortgage that will help you pay less while building savings faster.
Rent vs. Own Analysis We can provide you a Live Rent vs. Own Report that uses live interest rate information in order to determine whether or not you should look to buy a home if you are currently renting.

Credit Analysis & Pre-Approval Free Home Valuation Mortgage Planning Rent vs. Own Analysis

Monthly Payment

$0.00

Principal, interest, taxes, insurance & HOA

Principal & Interest $0.00
Property Tax $0.00
Home Insurance $0.00
PMI $0.00
HOA $0.00

Total of Payments $0

Total Interest Paid $0

Mortgage Details

Lifetime cost breakdown — updates live as you adjust the calculator.

Loan Amount	$0

Down Payment	$0 (0%)

Total Interest Paid	$0

Total PMI to —	$0

Total Tax Paid	$0

Total Home Insurance & HOA	$0


Total of 360 Payments	$0
Loan Pay-off Date	—

Amortization Schedule

View:

Period	Payment	Principal	Interest	Balance