Mortgage Calculator
A Straightforward Home Mortgage Calculator—Compare Loan Scenarios and Monthly Payments
This mortgage calculator helps you estimate your monthly payment based on a specific home price, loan amount, interest rate, and term. It breaks down how much of your payment goes toward principal and interest—and shows how taxes, insurance, and HOA fees can change the real cost of owning a home.
Already looking at listings or comparing loan scenarios? This tool is designed to help you sanity-check payments and understand where your money actually goes each month.
Not sure how much house fits your overall budget? Try our Home Affordability Calculator to see what you can comfortably afford before locking in a price.
01.
🏡 Know Your Loan Options
Fixed-rate, ARM, FHA, VA—what’s the difference?
Get clear on the pros, cons, and key features of each loan type before you choose one.
02.
🧾 Master the Mortgage Terms
APR, escrow, PMI… decoded.
Learn the real meaning behind lender lingo so you can compare offers confidently and ask the right questions.
03.
đź“Š Understand What You Can Afford
Use the 28/36 rule and real-life costs to guide your budget.
Factor in taxes, insurance, and down payment strategy—not just your monthly payment.
Clear Mortgage Math, Without the Guesswork
Most mortgage calculators just spit out a number. Ours goes a step further — helping you understand how your loan, interest rate, and term affect your real monthly payment, and where your money actually goes.
- See your estimated principal & interest payment instantly
- Factor in property taxes, insurance, and HOA fees (optional)
- Compare loan terms (15 vs. 30 years) to find your best fit
- Avoid overbuying — and plan for long-term financial stability
Mortgage Calculator
- Total Monthly Payment:
- Principal:
- Interest:
- Property Taxes:
- Insurance:
- HOA Fees:
- Total Interest (lifetime):
- Payoff Date: