Does this include PMI?

No. Private mortgage insurance (typically required below 20% down) is not included, so if your down payment is under 20%, your real payment will be somewhat higher. Closing costs are excluded as well.

Why is my property tax estimate important?

Property taxes vary widely by state and county, from under 0.3% to over 2% of home value per year in the US. Check your local county assessor's rate for a realistic estimate, since tax can be a large share of the monthly payment.

Is my data sent anywhere?

No. All calculations happen in your browser. Nothing you enter is uploaded, stored, or shared.

Mortgage Calculator

Estimate your monthly mortgage payment with taxes, insurance, and HOA.

Currency

Home price ($)

Down payment

Interest rate (% per year)

Typical US 30-year fixed rates are around 6–7%.

Loan term

Property tax (monthly $)

Optional, varies by state and county.

Home insurance (monthly $)

Optional, typical policies run $100–$250/mo.

HOA dues (monthly $)

Optional, 0 if your home has no HOA.

Estimated monthly payment

$2,800

Loan amount $360,000 · 20.0% down ($90,000)

Monthly breakdown

Principal & interest$2,275

Property tax$375

Home insurance$150

HOA dues$0.00

Total interest over loan life

$459,160

Total cost (down payment + 360 payments)

$1,098,160

Estimate only, excludes PMI, closing costs, and escrow changes. Rates and taxes vary by lender, state, and county. Everything is calculated in your browser; nothing is sent anywhere.

About this tool

Buying a home is one of the biggest financial decisions most Americans make, and the mortgage payment is usually the largest part of that cost. This mortgage calculator gives you a fast, honest estimate of your monthly payment based on the home price, down payment, interest rate, and loan term, plus the taxes, insurance, and HOA dues that too many buyers forget to budget for.

Just enter your numbers and the calculator shows your total estimated monthly payment with a clear breakdown: principal & interest, property tax, home insurance, and HOA. You will also see the total interest you would pay over the life of the loan and the all-in cost including your down payment. That total-interest number is often the eye-opener, it shows why a lower rate or a shorter term can save tens of thousands of dollars.

How to use the mortgage calculator

1Enter the home price and your down payment (as a % or dollar amount).
2Add the annual interest rate and pick a loan term (15, 20, or 30 years).
3Optionally add monthly property tax, home insurance, and HOA dues.
4Read your estimated monthly payment and full cost breakdown instantly.
5Compare scenarios, shorter terms raise the payment but cut total interest.

Good to know

Use it to compare real scenarios: how does 10% down versus 20% change the payment? What does a 15-year term cost per month compared to a 30-year? Because everything runs locally in your browser, you can experiment freely with no account, no tracking, and no data leaving your device. Remember it is an estimate, not a loan offer, a lender's quote will include PMI, closing costs, and escrow adjustments.

Frequently asked questions

It uses the standard amortization formula: payment = P × r(1+r)ⁿ / ((1+r)ⁿ − 1), where P is the loan amount, r the monthly interest rate, and n the total number of payments. Property tax, insurance, and HOA dues you enter are added on top.

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