Mortgage Calculator

Estimate monthly mortgage payments including principal, interest, taxes, insurance, and HOA fees. Adjust assumptions to see how down payment or extra payments affect the total loan cost.

Loan inputs

Update the financial details for your home purchase.

Home price ($)

Down payment (%)

Interest rate (APR)

Loan term (years)

Property tax (% of value)

Insurance (annual $)

HOA fees (monthly $)

Extra payment (monthly $)

Payment summary

Breakdown of monthly costs and lifetime loan totals.

Loan amount$360,000.00

Monthly principal & interest$1,877.93

Monthly taxes$450.00

Monthly insurance$100.00

Monthly HOA$75.00

Total monthly payment$2,502.93

Total paid over loan$901,054.95

Estimated total interest$316,054.95

Down payment: $90,000.00

Tip: Increase the extra payment amount to see how quickly you can reduce lifetime interest. Recalculate whenever rates or taxes change.

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