FREE HOMEBUYER TOOLS

What would your mortgage payment be?

Start with four loan details to see the monthly loan payment. Add taxes, insurance and other housing costs in Advanced for a fuller estimate.

Mortgage calculator Amortization calculator

Optional: bring in a property address or MLS reference

Start with the basics

Fill in these four required fields, then calculate. Use your lender’s note rate, not APR.

Home price · required

The price you plan to pay for the home.

Down payment ($) · required

Your cash toward the home price, excluding closing costs. Enter 0 only for a no-down-payment scenario. Choose % to enter a share of the purchase price.

Annual interest rate · required

Use the note rate from your loan quote.Loan term · required

years

For a 30-year loan, enter 30.

Your payment and mortgage lender research links appear after you calculate. Taxes, insurance, PMI and HOA are optional for the loan-only estimate.

Advanced options: housing costs0 of 4 housing costs entered. Blank costs stay unknown; they are not treated as free.

Annual property taxes

For the whole year. The estimate divides this by 12.Annual homeowners insurance

For the whole year. Use a quote or current policy.

Monthly mortgage insurance / PMI

From your lender. Enter 0 only if no mortgage insurance applies.Monthly HOA dues

Homeowner association dues. Enter 0 only if none apply.

Leave a cost blank if you do not know it. Taxes and insurance may change after closing. The full-payment total and report require all four costs, including confirmed zeros.

YOUR RESULTS

Your result will appear here.

Fill in the basic fields, then choose Calculate mortgage payment. Advanced options can stay closed for the basic calculation.

What belongs in a mortgage payment estimate?

Principal and interest repay the loan. Property taxes, homeowners insurance, mortgage insurance and HOA dues can add to the monthly housing budget. Enter each separately so a low quoted loan payment does not hide the other costs.

A simple payment example

For a fictional $240,000 loan at 0% over 30 years, principal and interest are $666.67 per month. Add $500 in monthly property taxes and $150 in insurance: the modeled total is $1,316.67 before any PMI or HOA. Zero interest is a calculation example, not an available loan offer.

Does the estimate include closing costs?

No. Closing costs, prepaid escrow, repairs, utilities and ongoing maintenance require a separate budget. Taxes, insurance and adjustable loan terms may change. Compare the inputs with your lender’s written terms.

What happens if I pay extra principal?

Use the amortization calculator to compare payoff time and interest with an extra monthly principal payment. Confirm how your servicer applies it and whether your loan has restrictions.

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