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Mortgage
Calculator

Estimate your monthly mortgage payment and keep yourself out of the Money PIT!

Your mortgage

Home Value

Down Payment

20% of home value

Loan Amount

$400,000

Home Value minus Down Payment

Interest Rate

Term

Real Estate Taxes (annual)

Home Insurance (annual)

HOA Fees (monthly, optional)

Principal & Interest$2,528

Real Estate Taxes$417

Home Insurance$150

HOA Fees$0

Monthly Payment$3,095

Over the life of your loan

Where every dollar of your 30-year loan ends up going, principal to the last payment.

Principal36% · $400,000

Interest46% · $510,178

Taxes, Insurance & HOA18% · $204,000

Total Amount Paid$1,114,178

This is a simplified, illustrative estimate of a standard fixed-rate loan — it doesn't include private mortgage insurance (PMI), typically required when a down payment is under 20%, closing costs, extra principal payments, or changes to your tax and insurance costs over time. Real estate tax and home insurance amounts vary by location and provider; check with a lender for an actual quote. Not financial advice.

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MortgageCalculator

Your mortgage

Over the life of your loan

Mortgage
Calculator