Mortgage Calculator
Estimate your monthly mortgage payment with taxes, insurance, HOA fees, and PMI. Adjust the numbers and see the full payment breakdown instantly.
Enter your loan details
Use the sliders or type exact values.
The total purchase price of the property.
The amount paid upfront before financing.
Use Freddie Mac PMMS: 6.37% for 30-year fixed as of May 7, 2026.
Estimate using 1.1% tax and 0.35% insurance. Current: $4,950/yr tax · $1,575/yr insurance.
Loan amount
$360,000
Total interest
$437,969
Total paid over term
$1,003,169
Guide
How this mortgage calculator works
A mortgage payment is usually made up of principal, interest, property taxes, homeowners insurance, and optional costs like HOA fees or PMI. This calculator estimates the monthly payment based on your loan amount, rate, and term, then adds recurring monthly costs into one total.
Principal
The part of the loan balance you pay back each month.
Interest
The cost of borrowing money from the lender.
Escrow costs
Taxes and insurance often collected with your monthly payment.
Mortgage FAQs
Disclaimer: This calculator is for educational and planning purposes only. Results are estimates and may not reflect your final lender quote, closing costs, escrow requirements, tax assessment, insurance premium, PMI, HOA fees, or other loan-specific costs. Always verify payment details with a qualified lender or financial professional before making a purchase decision.
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