Mortgage Calculator — Buying a home is the biggest purchase most people ever make, and the monthly payment is more than just the loan. A real mortgage payment bundles principal, interest, property taxes, and homeowners insurance — often called PITI.
Your mortgage figures are computed entirely in your browser and never leave your device.
Payments shown are simplified estimates for education, not financial or lending advice. Real mortgages include taxes, insurance, PMI, and fees this calculator does not model. Confirm figures with your lender.
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What is mortgage calculator?
Buying a home is the biggest purchase most people ever make, and the monthly payment is more than just the loan. A real mortgage payment bundles principal, interest, property taxes, and homeowners insurance — often called PITI.
This calculator starts from the purchase price and your down payment, then builds the full picture: the loan amount, your loan-to-value ratio, the estimated monthly payment including escrow, and how much interest you pay over the life of the loan.
How to use it
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Enter the purchase price
The full price of the home you are considering.
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Set your down payment percentage
A 20% down payment typically avoids private mortgage insurance (PMI).
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Add the interest rate and term
For example 6.5% for 30 years. Longer terms mean lower payments but more total interest.
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Include tax and insurance
Optional annual property tax and homeowners insurance are spread across your monthly payment.
Examples
A $350,000 home with 20% down
A common starter scenario.
Price: 350000 · Down: 20% · Rate: 6.5% · Term: 30 years
Result: Loan of $280,000 → monthly P&I ≈ $1,769.95, total interest ≈ $357,000.
常见问题
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相关工具
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Last reviewed: 2026-09-24