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Mortgage Calculator

See your true monthly payment including taxes, insurance, and PMI — plus full amortization schedule.

Loan Details

Home Price

Down Payment

✓ 20%+ down — no PMI required

Interest Rate (APR)

Current 30-yr national avg ~6.8%

Loan Term

Monthly Costs

Annual Property Tax

1.10% of home value · US avg ~1.1%

Homeowner's Insurance

Per year · US avg ~$1,800/yr

HOA Fees (monthly)

Leave blank if no HOA

Extra Monthly Payment

See how much time and interest you save by paying extra each month.

Extra Payment

Added to principal each month

Total Monthly Payment

$2,619

30-year fixed · 6.875% APR

Payment Breakdown

Principal & Interest

$2,102/mo

Property Tax

$367/mo

Insurance

$150/mo

Loan Summary

Home Price$400,000

Down Payment$80,000 (20.0%)

Loan Amount$320,000

Total Interest$436,782

Total Cost of Home$836,782

LTV Ratio80.0%

Equity vs. Loan

20.0% equity at close

Your equity: $80,000Loan: $320,000

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Estimates only. Actual costs vary by lender, credit score, and location. Not financial advice — consult a licensed mortgage professional.