Calculators · 2.10

Mortgage Payment Calculator

Estimate your monthly principal, interest, and full PITI. Enter your own numbers — results update as you type.

Your Inputs

Loan Amount

Interest Rate (annual %)

Term

Property Tax (annual $)

Homeowners Insurance (annual $)

PMI / MI (monthly $)

HOA (monthly $)

Estimate Only

For estimation purposes only. Not a loan offer, commitment to lend, or a quote. Actual rates, payments, and costs vary. Estimates exclude taxes, insurance, and HOA unless you enter them.

Estimated Monthly Payment

$—

Enter a loan amount and rate to begin

Get a Real Quote Affordability

How It Works

What the calculator does

The tool uses the standard amortization formula to estimate your monthly principal-and-interest payment based on the loan amount, interest rate, and term you enter. Add property tax, homeowners insurance, PMI or MI, and HOA to see a fuller monthly figure (often called PITI).

What’s not included: closing costs, prepaids, escrow reserves, private-road or flood insurance, condo/HOA special assessments, or program-specific fees. Your Loan Estimate will show all of these.

Principal & Interest. Fixed-rate amortization. ARMs, interest-only, and buydowns behave differently.
Property Tax & Insurance. Typically escrowed monthly with your payment on conforming and government loans.
PMI / MI. Required on most low-down conventional and all FHA loans; varies by LTV, FICO, and program.
HOA. Not escrowed — paid separately, but part of your true monthly housing cost.

Ready for a real number?

Numbers built for your file

An estimator gets you close. A real quote — with your credit, income, property, and program — gets you a Loan Estimate you can take to a seller.

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