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U.S. Mortgage Calculator
Estimate the monthly cost of a U.S. home loan. Add principal and interest, annual property tax and insurance, and optional monthly PMI.
What this estimate includes
The monthly principal-and-interest estimate uses the standard fixed-rate amortization formula. The total adds the annual property tax and homeowners insurance you enter, plus any optional monthly PMI amount.
This estimate does not include HOA dues, closing costs, utilities, or lender-specific fees. Actual payments depend on your lender, loan terms, taxes, insurance and property.
Private by design: calculations happen in this browser. Your numbers are not uploaded or saved.
Frequently asked questions
Does the monthly total include property tax and insurance?
Yes. Enter annual estimates and the calculator divides them by 12. PMI is entered as a monthly amount.
Is this a loan quote?
No. It is a planning estimate only. A lender can provide the actual rate, payment, escrow and fees for your situation.