Mortgage calculator
Plan around your numbers.
Explore a fixed-rate loan and the housing costs you enter.
Plan your purchase
Mortgage payment calculator
Explore a fixed-rate loan in US dollars. The starting values are examples for illustration, not current rates or a loan quote. Change them to match your own assumptions.
Add taxes, insurance & HOA
Optional costs start at $0 and are excluded until you enter them. Use your own estimates; actual costs may change.
Your entries stay in this browser tab. This calculator does not save or send your financial inputs.
Estimated monthly total
Principal, interest and the optional costs you entered.
- Financed principal
- Monthly principal & interest
- Monthly property tax
- Monthly homeowners insurance
- Monthly HOA / association dues
- Monthly mortgage insurance
- Total interest over the loan term
- Total principal & interest over the loan term
View annual amortization
| Year | Principal paid | Interest paid | Year-end balance |
|---|
Illustration assumes a fixed rate and scheduled monthly payments with no prepayments. It excludes closing costs and other lender fees. Optional expenses are monthly budgeting estimates; some are paid separately from your loan payment. Displayed amounts are rounded; lender rounding and payment dates may produce different results. This is not a loan approval or lending offer.
CFPB: Understand your total monthly payment (opens a new tab)