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Mortgage Calculator

Estimate your monthly payment including taxes, insurance and PMI.

The total purchase price of the property. Down payment plus loan amount equals home value.
$50k$2M
Cash you'll pay up front. The rest is financed as the loan amount.
Down payment as a percentage of home value. Reaching 20% typically eliminates PMI.
0%50%100%
The mortgage principal — home value minus your down payment. This is the amount you'll borrow.
Annual interest rate on the loan. Drives your monthly principal & interest payment.
Years to repay the loan. Longer terms lower the monthly payment but increase total interest paid.
Annual property tax in dollars. Divided by 12 and added to your monthly payment as part of escrow.
Annual homeowners insurance premium. Divided by 12 and included in your monthly payment.
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%.
Monthly homeowners association fee for condos, townhomes, or planned communities.
Month of your first mortgage payment. Drives the loan pay-off date and amortization schedule.

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

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 —
Period Payment Principal Interest Balance

Estimates are for illustration only and do not constitute a loan offer or commitment to lend. Actual rates, payments, taxes and insurance vary.
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