Mortgage calculator

Estimate the full monthly housing payment

Principal and interest are only part of the bill. Add taxes, insurance, HOA dues and mortgage insurance for a more realistic monthly estimate.

Purchase price

Down payment ($)

Interest rate (%)

Loan term (years)

Annual property taxes

Annual homeowners insurance

Monthly HOA

Monthly mortgage insurance

Enter your figures and calculate.

This does not calculate APR, upfront loan fees, changing escrow amounts, or every FHA/VA/conventional insurance rule.

Why total payment matters

A mortgage's principal-and-interest payment can stay fixed while taxes and homeowners insurance change. A realistic affordability check should include those recurring costs and any applicable mortgage insurance or HOA dues.