Mortgage calculator

Use this premium v1 calculator to combine principal, interest, property taxes, homeowners insurance, HOA dues, and PMI into one calmer, more realistic estimate.

Loan details

Home price

Down payment

Interest rate (%)

Loan term (years)

Annual property taxes

Annual homeowners insurance

Monthly HOA

Monthly PMI

This calculator provides an estimate only and does not include every possible lender fee, escrow variation, or closing-cost scenario.

Estimated monthly payment

Principal + interest: $0

Property taxes: $0

Homeowners insurance: $0

HOA: $0

PMI: $0

Loan amount: $0

Total interest over loan: $0

Total of all payments: $0

What this estimate includes

The calculator combines your loan payment with property taxes, homeowners insurance, monthly HOA dues, and PMI if you enter those values. That gives a more useful affordability number than principal and interest alone.

Amortization snapshot

First month interest: $0

First month principal: $0

Balance after 1 year: $0

Free worksheet

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Before relying on the number

Mortgage payments can also be affected by closing costs, lender fees, escrow setup, changing property taxes, rate locks, homeowners association changes, and insurance pricing. Use this as a planning estimate, then verify everything with your lender.

What to do next

If you want to understand the monthly payment more clearly, read What Is Included in a Monthly Mortgage Payment?.

If you want to start from a monthly budget instead of a home price, try the affordability calculator.