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Mortgage Calculator

Estimate your monthly mortgage payment from home price, down payment, interest rate, loan term, taxes, insurance, and PMI. The calculation runs in your browser and does not save your inputs.

Home price ($)

Down payment ($)

Interest rate (%)

Loan term (years)

Property tax per year ($)

Home insurance per year ($)

PMI per month ($)

HOA per month ($)

Monthly payment$0

Principal & interest$0

Loan amount$0

Total interest$0

How this mortgage calculator works

The calculator uses the standard fixed-rate mortgage formula, then adds estimated monthly property tax, homeowners insurance, PMI, and HOA dues. It is useful for comparing different down payments, loan terms, and interest rates before you request quotes from lenders.

What to include in a realistic payment estimate

Principal and interest from the mortgage loan.
Property tax and homeowners insurance.
PMI if the down payment is below 20%.
HOA fees when buying a condo or planned-community home.

This tool is for estimation only and is not financial advice.