Mortgage Payment Calculator
See how the loan and the rest of a home budget fit together. Change the assumptions; this is an educational estimate, not a loan offer.
Try your assumptions
Private by design. Your entries are calculated on this page and are not saved or sent to analytics.
All numbers are hypothetical. Enter amounts in dollars and rates as percentages.
Scenario results
Exact model assumptions
Fixed-rate, fully amortizing loan with monthly payments. Taxes and homeowners insurance are entered as annual amounts; mortgage insurance, HOA, and maintenance are monthly. Extra principal starts with the first payment. Mortgage insurance stays at your entered amount and does not automatically cancel. No utilities, closing costs, appreciation, or tax deductions are included.
Keep learning
What is a mortgage? explains the terms behind these numbers. For a real loan decision, compare written Loan Estimates and consider a HUD-approved housing counselor.