Mortgage Calculator
Estimate monthly mortgage payments with principal, interest, taxes, insurance, PMI, HOA, and total loan cost.
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Total monthly payment
$2,525.51
Loan amount
$320,000.00
Principal and interest
$2,075.51
Taxes and insurance
$450.00
Total interest
$427,185.01
How to use the Mortgage Calculator
Enter home and loan details
Add the home price, down payment, interest rate, and mortgage term.
Add ownership costs
Include taxes, insurance, PMI, and HOA fees if they apply.
Review the monthly estimate
Compare principal, interest, escrow-style costs, and total interest over the loan term.
What is the Mortgage Calculator?
Use this mortgage calculator to estimate a monthly house payment before buying or refinancing. It combines the loan payment with common ownership costs such as property tax, home insurance, PMI, and HOA fees so you can see a more realistic monthly number.
- Principal and interest estimate
- Property tax and insurance inputs
- PMI and HOA support
- Total interest over the mortgage term
- Loan amount after down payment
- Copyable monthly payment summary
Frequently Asked Questions
What is included in the mortgage payment?
How is PMI calculated here?
Is this a lender quote?
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