Mortgage Calculator
Estimate monthly mortgage payments including taxes, insurance and HOA.
Compute your total monthly mortgage cost — principal & interest plus property tax, homeowners insurance and HOA. Adjust home price, down payment, rate and term to see how each affects your payment.
Common use cases
- Decide how much house you can afford within a target monthly budget
- Compare 15-year vs 30-year terms by lifetime interest cost
- See the effect of a larger down payment on monthly payments
- Add tax and insurance escrow to estimate true PITI
Frequently asked questions
What is PITI?▾
Principal, Interest, Taxes and Insurance — the four parts of a typical monthly mortgage payment.
Does it include PMI?▾
Not directly — add an estimated PMI to the insurance field if your down payment is under 20%.
Are these numbers exact?▾
Principal & interest are exact for the inputs given; taxes/insurance vary by jurisdiction and provider — get a real quote before closing.