Mortgage Calculator

Estimate your monthly mortgage payments with taxes and insurance included.

Loan Details

Home Price ($)

Down Payment

Loan Term

Interest Rate (%)

Property Tax ($/year)

Home Insurance ($/year)

HOA Fees ($/month) (Optional)

Enter your loan details to see your monthly payment breakdown

About Mortgage Calculations

Principal & Interest: Calculated using the standard mortgage amortization formula. Your monthly payment remains constant, but the proportion going to principal vs. interest changes over time.

Property Tax & Insurance: These are typically escrowed and paid monthly. Actual amounts may vary by location and insurance provider.

HOA Fees: Monthly homeowners association fees (if applicable). These are separate from your mortgage payment.

Note: This calculator provides estimates only. Actual payments may vary based on lender terms, PMI requirements, and other factors. Always consult with a qualified mortgage professional.