Mortgage Calculator
Estimate an all-in monthly housing payment.
About This Calculator
Estimate a monthly home payment and see its main components. The total can include principal and interest, property tax, insurance, HOA dues, and PMI.
How It Works
Loan amount equals home price minus down payment. Principal and interest use the fixed-rate loan formula, then monthly taxes, insurance, HOA, and PMI are added.
Monthly housing payment = P&I + tax + insurance + HOA + PMI
Example
A $400,000 home with 20% down, a 30-year 6.5% rate, $4,800 annual tax, $1,800 annual insurance, and a $100 HOA is about $2,672.62 monthly.
Important Notes
This is an estimate, not a lender quote or individualized financial advice. It excludes closing costs, utilities, maintenance, and changing escrow charges.