Mortgage Calculator

20% of home price
Private Mortgage Insurance (if down payment < 20%)
Optional additional payment each month

Monthly Payment Breakdown

Principal & Interest: $0
Property Tax: $0
Home Insurance: $0
HOA Fees: $0
Total Monthly Payment: $0

Loan Summary

Total Payments: $0

Total Interest: $0

Total PMI: $0

Payoff Date: -

Unlike confusing bank forms, we’ve designed this with you in mind:
Real-life numbers: Includes property taxes, insurance, and HOA fees (not just principal & interest)
Visual clarity: See your payment breakdown in a simple, color-coded chart
Future planning: Toggle the amortization schedule to see how equity builds over time
Mobile-friendly: Works beautifully on phones during open house tours

Free Mortgage Calculator

How to Use It in 3 Simple Steps

  1. Enter your numbers:

    • Home price (try our “median home value” auto-fill!)
    • Down payment (as $ or %—we do the math either way)
    • Interest rate (check current rates below)
    • Loan term (15 vs. 30 years? We’ll show you the difference)
     
  2. Add the extras:

    • Property taxes (we’ll estimate based on your zip code)
    • Homeowners insurance (average: $100-$150/month)
    • HOA fees (if applicable)
     
  3. See your future:

    • Instant monthly payment breakdown
    • Total interest over the loan’s life
    • “Payoff date” calendar view
    • Optional: Toggle the full amortization schedule