Free tools
Mortgage Calculator
See the monthly payment on a price, with taxes, insurance and HOA dues included.
Example rate. Ask your lender for today's.
Estimate. Change it to yours. Shown as a share of the price.
Estimate. Change it to yours.
Type a home price to see the monthly payment.
Want me to run your real numbers?
I'll look at your actual home or loan and get back to you with real figures. No obligation.
These calculators give estimates only. Every number depends on your home, your loan and the market, so treat the result as a starting point, not a quote.
What's in a monthly payment
Your payment is more than the loan. Lenders call it PITI: principal and interest on what you borrow, plus property taxes and homeowners insurance, which most lenders collect each month and pay for you. HOA dues are on top, and so is mortgage insurance if you put down less than 20%.
Two homes at the same price can have very different payments. Taxes, insurance and HOA dues change from one neighborhood to the next, so run the numbers for the actual home, not just the price.
When you're comparing loans, look at the whole rate picture, not only the new payment: the rate, the points, the closing costs and how long you plan to stay. I walk every buyer through that before they pick a lender.
More calculators: Home Sale Calculator · Affordability Calculator
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