Mortgage Calculator

Estimate your monthly payment with principal & interest, taxes, insurance, HOA, and PMI. Includes a full amortization schedule and early payoff with extra principal.

Home Price

Down Payment

Fields stay in sync; enter either amount or percent.

Loan Amount

APR (Annual %)

Term

Property Tax (annual % of price)

Homeowners Insurance (annual)

HOA Dues (monthly)

PMI (annual % of loan, auto-stops at 80% LTV)

PMI only applies when down payment < 20% and stops when balance ≤ 80% of price.

Extra Monthly Principal (optional)

Start Date (optional)

Amortization Schedule

#	Date	Total	P&I	Principal	Interest	PMI	Taxes	Ins.	HOA	Extra	Balance	LTV

Mortgage Calculator FAQ

How is PMI handled?

PMI is computed as an annual percentage of the outstanding loan (rate/12 monthly) and is charged only while loan-to-value (balance ÷ price) > 80%.

What’s included in “Total Monthly”?

P&I + property tax + homeowners insurance + HOA + PMI (if applicable).