Mortgage Calculator

Work out your full monthly mortgage payment — principal and interest, property tax, homeowners insurance, PMI and HOA — and see how much extra payments could save you.

Home Price ($)

Down Payment ($)

Down Payment (%)

The $ and % fields stay in sync. PMI applies when the down payment is under 20%.

Annual Interest Rate (%)

Default: Freddie Mac 30-year fixed national average, 7.11% (week ending Nov 12, 2026). Replace with your own quote.

Loan Term (years)

Annual Property Tax ($)

Annual Home Insurance ($)

Monthly HOA Dues ($)

Extra Monthly Payment ($, optional)

Extra money paid toward the principal each month.

Estimated Total Monthly Payment

Results are estimates only and not financial advice. PMI is estimated at 0.5% of the loan amount per year when the down payment is under 20% — your lender's actual PMI rate may be higher or lower.