Mortgage Calculator

Your full monthly payment, not just principal and interest — taxes, insurance, HOA and PMI included.

Home price

Down payment

Annual interest rate (%)

Loan term (years)

Extra monthly costs (optional)

Property tax (annual %, of home price)

Homeowners insurance (per year)

HOA dues (per month)

PMI rate (annual %, below 20% down only)

Show full amortization schedule

About this calculator

Most calculators only show principal and interest — this one adds tax, insurance, HOA and PMI for the real monthly cost (PITI).

PMI protects the lender against a smaller down payment — it's automatically removed once you reach 20% down.