Mortgage Calculator
Mortgage Payment Calculator
Calculate your complete monthly mortgage payment including principal, interest, taxes, insurance, HOA fees, and PMI. Covers refinancing scenarios, amortization schedules, and breakeven analysis with adjustable rates.
Explore our HELOC calculator, refinancing guide, and loan amortization tool. Compare fixed vs. adjustable rates to find the best option for your situation.
Jump to FAQ ↓PMI stops once loan-to-value hits 80% to mirror lender standards.
Amortization rows now include escrow, HOA, and PMI columns.
One-click 3%, 5%, 10%, and 20% presets for faster modeling.
1.2% tax rate, $1800/yr insurance
Loan amount: $440,000.00
| Mo | Date | P+I | Taxes | Insurance | HOA | PMI | Balance |
|---|---|---|---|---|---|---|---|
| 1 | 2026-01-12 | $2,595.74 | $550.00 | $150.00 | $120.00 | $0.00 | $439,549.26 |
| 2 | 2026-02-12 | $2,595.74 | $550.00 | $150.00 | $120.00 | $0.00 | $439,096.32 |
| 3 | 2026-03-12 | $2,595.74 | $550.00 | $150.00 | $120.00 | $0.00 | $438,641.17 |
| 4 | 2026-04-12 | $2,595.74 | $550.00 | $150.00 | $120.00 | $0.00 | $438,183.81 |
| 5 | 2026-05-12 | $2,595.74 | $550.00 | $150.00 | $120.00 | $0.00 | $437,724.22 |
| 6 | 2026-06-12 | $2,595.74 | $550.00 | $150.00 | $120.00 | $0.00 | $437,262.39 |
| 7 | 2026-07-12 | $2,595.74 | $550.00 | $150.00 | $120.00 | $0.00 | $436,798.30 |
| 8 | 2026-08-12 | $2,595.74 | $550.00 | $150.00 | $120.00 | $0.00 | $436,331.95 |
| 9 | 2026-09-12 | $2,595.74 | $550.00 | $150.00 | $120.00 | $0.00 | $435,863.33 |
| 10 | 2026-10-12 | $2,595.74 | $550.00 | $150.00 | $120.00 | $0.00 | $435,392.42 |
| 11 | 2026-11-12 | $2,595.74 | $550.00 | $150.00 | $120.00 | $0.00 | $434,919.22 |
| 12 | 2026-12-12 | $2,595.74 | $550.00 | $150.00 | $120.00 | $0.00 | $434,443.71 |
Research rate buydowns, seller concessions, and appraisal gap strategies to understand your financing options. Use internal links to loan, investment, and percentage calculators for comprehensive financial planning.
Track your calculate actions, CSV downloads, PMI toggles, and down-payment scenarios to understand which mortgage strategies matter most to you.
How to use this calculator
Enter home price, down payment percentage, interest rate, and term. The calculator keeps inputs for quick refi comparisons.
Add property tax rate, insurance, HOA dues, and PMI so clients see the true all-in payment instantly.
Download the amortization CSV or screenshot the monthly breakdown for lender decks and buyer handouts.
FAQ
If down payment is under 20%, we apply your PMI rate to the current balance until the loan-to-value drops below 80%.
Yes. Adjust the tax rate or insurance amount to simulate escrow adjustments. Future updates will include multi-tier tax brackets.
Absolutely — every row contains principal/interest plus escrow, HOA, and PMI columns for compliance-ready exports.