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: -

Your Path to Homeownership Starts Here

Dreaming of a new home? Let’s make it real. Our free mortgage calculator takes the guesswork out of budgeting, showing you exactly what your monthly payments could look like. No jargon, no surprises—just clear numbers to help you plan with confidence.

Why This Calculator Feels Different

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