Mortgage Calculator
Use this free mortgage calculator to estimate monthly house payments with principal, interest, taxes, insurance, PMI, and HOA fees.
Mortgage Calculator
This estimate is for planning only. Actual mortgage payments depend on lender terms, rates, taxes, insurance, PMI, HOA fees, escrow rules, and loan approval.
Estimate a Monthly Mortgage Payment
A mortgage calculator helps you estimate the monthly cost of a fixed-rate home loan. Start with the home price, down payment, interest rate, and loan term, then add property tax, homeowners insurance, PMI, and HOA fees for a fuller planning estimate.
The principal and interest estimate uses the standard amortization formula for fixed-rate mortgages. Your real payment can change based on lender terms, escrow setup, local taxes, insurance premiums, and whether private mortgage insurance applies.