Mortgage Calculator

Estimate your total monthly mortgage payment, including principal, interest, taxes, insurance, and HOA.

Estimated total monthly payment$2,548
Principal & interest$2,023
Property tax (monthly)$400
Insurance (monthly)$125
HOA$0
Loan amount$320,000
Loan-to-value ratio80%
Total interest paid over loan term$408,142

Your monthly mortgage payment is made up of more than just principal and interest — lenders typically also collect property tax and homeowners insurance through an escrow account, and if you're in a planned community, HOA dues on top of that. This calculator estimates your full monthly payment (often called PITI: principal, interest, taxes, insurance) so you can budget accurately rather than being surprised by the real total.

Frequently asked questions

This calculator provides an estimate for general informational purposes only and is not tax or financial advice. Actual results may vary based on deductions, credits, benefits, and local tax rules. Consult a licensed tax professional or financial advisor for guidance specific to your situation.