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Mortgage Calculator

Calculate your exact monthly mortgage payment including property taxes, HOA fees, and home insurance.

Mortgage Inputs

$
$
%
%
$
$

Payment Breakdown

Estimated Monthly Payment

$2523

Principal & Interest$2023
Property Taxes$400
Home Insurance$100
Total Loan Amount$320000
Total Interest Paid$408142

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How to use the Advanced Mortgage Calculator

Enter your home price, down payment, and interest rate to see a highly accurate breakdown of your monthly housing costs.

?Frequently Asked Questions

What is the Mortgage Calculator?

The Mortgage Calculator estimates your complete monthly housing payment including principal, interest, property taxes, homeowners insurance, and HOA dues.

Who is the Mortgage Calculator for?

Designed for homebuyers, real estate agents, and homeowners evaluating home affordability, down payment scenarios, and refinancing options.

How to Use the Mortgage Calculator

  1. Enter home purchase price ($) and down payment percentage (%).
  2. Set loan term in years (e.g. 30-year or 15-year fixed) and annual interest rate (%).
  3. Include annual property taxes and homeowners insurance to view full monthly PITI.

Worked Calculation Example

A $400,000 home purchase with a 20% down payment ($80,000 loan balance $320,000) at 6.5% interest over 30 years results in a monthly P&I payment of $2,022.62 (plus taxes and insurance).

Frequently Asked Questions

What is included in a PITI mortgage payment?

PITI stands for Principal, Interest, Taxes, and Insurance. It represents your total baseline monthly housing payment.

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