Mortgage Calculator
Estimate your monthly mortgage payment from the home price, down payment, interest rate and term — including property tax, insurance and HOA — and see the total interest you will pay. Calculated in your browser.
🔒 Runs 100% in your browser — nothing is uploaded
Add taxes, insurance & HOA (optional)
- Principal & interest$2,022.62
- Property tax$300.00
- Home insurance$100.00
About the mortgage calculator
Estimate your monthly mortgage payment before you buy. Enter the home price, your down payment, the interest rate and the loan term to see your monthly principal and interest, and add property tax, insurance and HOA fees for a full PITI estimate. It also shows the loan amount, the total interest you'll pay over the life of the loan, and the grand total. Everything is calculated in your browser — nothing is uploaded.
Frequently asked questions
How is the monthly mortgage payment calculated?
It uses the standard amortization formula on your loan amount (home price minus down payment), interest rate and term. Your monthly principal & interest stays the same for the life of a fixed-rate loan; property tax, insurance and HOA are added on top.
What is included in the monthly total?
Principal & interest, plus optional monthly property tax, home insurance and HOA fees if you enter them. This is often called PITI (principal, interest, taxes, insurance).
Is my information saved or sent anywhere?
No. The whole calculation runs in your browser — nothing you type is uploaded or stored.
Does this include PMI?
Not automatically. If your down payment is under 20% and you pay PMI, add its monthly cost to the insurance field for a closer estimate.