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Mortgage Calculator

Estimate your monthly payment and total interest.

Home price

Down payment

Interest rate (% per year)

Term

Property tax (per year)

Home insurance (per year)

HOA (per month)

Extra monthly payment

Applied to principal. Shows the real effect of paying extra.

Principal & interest

Total monthly

Total interest

Total paid

Loan amount

Down payment %

Payoff time

PMI estimate

PMI is a rough guide: lenders usually charge it when the down payment is under 20%. Your actual quote depends on the lender and your credit file.

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What Is Mortgage Calculator?

The Mortgage Calculator estimates your monthly principal and interest payment, then adds property tax, insurance, and HOA to give a true monthly figure. It also shows total interest, the payoff time with any extra payment, and a PMI estimate.

Who Uses the Mortgage Calculator?

Buyers use it while browsing to see what a price range really costs per month, and to check how much an extra monthly payment would save over the loan.

How to Use the Mortgage Calculator

Enter the price, down payment, rate, and term.
Add annual property tax, insurance, and HOA dues.
Try an extra monthly payment to see the new payoff time.
Read the total monthly cost and total interest.

Why Choose Our Mortgage Calculator?

True monthly cost including tax, insurance, and HOA
Extra payment modelled to the real payoff date
PMI flagged when the down payment is under 20%

Try the Mortgage Calculator above — it is free, fast, and works on any device. Bookmark this page to return whenever you need it.