Mortgage Calculator
Estimate your monthly mortgage payment with principal, interest, taxes, insurance, PMI, HOA, and optional extra payments. U.S. rates and taxes supported.
How to use
- Enter home price and down payment (switch between % and $).
- Select term (30/20/15/10 years) and interest rate.
- Toggle taxes, insurance, PMI, and HOA to see true housing cost.
- Add extra payments to see payoff acceleration.
- Download or share the PDF report.
Why it matters
Knowing the full PITI payment helps you pass lender DTI tests and set a realistic budget before you write an offer.
Example
$400,000 home, 10% down, 6.50% for 30 years → P&I $2,275. Add $400 taxes + $100 insurance + $120 PMI + $75 HOA = total $2,970/month.
FAQ
- Does this calculator include PMI? Yes, it adds PMI until roughly 78% loan-to-value or when you provide a custom PMI amount.
- Can I save my results? Yes, create an account to store calculations and download PDFs.
- Is this advice? No—estimates only. Talk to your lender for official terms.
Estimates only. Not a commitment to lend or financial advice.
Ready to run numbers? Open the calculator or compare two scenarios in the side-by-side tool.