Mortgage Calculator
What would the payment actually be?
Principal and interest, property taxes, insurance, HOA dues and mortgage insurance. The whole payment, with the loan and everything that rides on it. Change any number and the total moves with it.
Work out your payment
Your numbers
Defaults are set to this market. Replace them with yours.
Your monthly payment
An estimate for planning, not a quote or a commitment to lend. Your rate depends on credit, loan type and the property. Taxes vary by parcel and by any bond assessments; insurance varies by carrier and by the home. Mortgage insurance is estimated at 0.5% of the loan per year and is included only while the down payment is under 20%.
Before you rely on it
Get the real number
- I spent more than two decades in the mortgage industry before I sold my first house. Send me the scenario and I’ll tell you what a lender will actually approve, and which loan structure costs you less over the years you’ll hold it.
If you’re selling
Work it the other way
- Knowing the payment a buyer can carry at your price point tells you who your buyer is, and whether a price adjustment opens up a much larger pool of them.
Or see your seller net sheet.