Mortgage Calculator

Estimate your monthly mortgage payments for a fixed-rate loan. Adjust inputs to see how they affect your payments, total interest, and amortization schedule.

Home Price

$

Down Payment

$

Down Payment Percentage

%

Loan Term (years)

Interest Rate (%)

%

Start Date

Include Annual Taxes & Costs

Property Taxes (annual) ? Annual taxes on the property's value. Typically 0.5% to 2% of home value.

$

Home Insurance (annual) ? Covers damage to your home. Often required by lenders. Typical cost: $1,000 - $2,500 per year.

$

PMI Insurance (annual) ? Private Mortgage Insurance, usually required if your down payment is less than 20%.

$

HOA Fee (annual) ? Fees for homeowners' associations in some communities (condos, townhomes). Can be $0.

$

Other Costs (annual) ? Include any other recurring annual costs like special assessments or maintenance fees.

$

More Options (Annual % Increases)

Taxes Increase

%

Insurance Increase

%

HOA Increase

%

Extra Payments

Monthly

$

Annual

$

One-Time

$

Payment Summary

Total Monthly Payment

$0.00

Loan Amount:

Principal & Interest:

Total Interest Paid:

Total Paid:

Payoff Date:

Monthly Cost Breakdown

Component	Monthly	Total

Bi-Weekly Payment Impact

By paying every two weeks, you could:

Pay off your loan earlier.

Save in interest.

New Payoff Date: .

Loan Amortization

Year	Date Range	Interest Paid	Principal Paid	Ending Balance

Disclaimer: This calculator is for educational and illustrative purposes only. The results are estimates based on the information you provide.

It is designed for fixed-rate mortgages and does not account for Adjustable-Rate Mortgages (ARMs). Primarily intended for U.S. users. Consult a financial professional before making any financial decisions.