Mortgage Payment Calculator
Estimate principal, interest, property tax, homeowners insurance, and HOA dues in one payment.
Free · No sign-up · Your inputs stay in your browser
Your numbers
Estimate the full housing payment
Your projection
$2,572.62 a month
Principal + interest
$2,022.62
Taxes + insurance + HOA
$550.00
Loan amount
$320,000
Interest over term
$408,142
PMI, maintenance, utilities, closing costs, and changing taxes or insurance are not included.
About this tool
Method, assumptions, practical next steps, and limits.
Look beyond principal and interest
The advertised mortgage payment is only part of the monthly housing cost. Taxes, insurance, association dues, and sometimes mortgage insurance sit beside it.
Calculation method
The loan uses standard fixed-rate amortization. Annual tax and insurance are divided by 12 and added to the monthly result.
Costs not shown
Budget separately for closing costs, repairs, utilities, maintenance, and mortgage insurance when it applies.
