Mortgage Calculator - Home Loan Payment Calculator
Calculate your monthly mortgage payment with taxes, insurance, and PMI. See complete amortization schedule and total interest costs for home loans.
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Additional Monthly Costs (Optional)
Mortgage Calculator Guide
Down Payment: Typically 3-20% of home price. 20%+ avoids PMI.
PMI: Private Mortgage Insurance required if down payment < 20%.
Interest Rate: Varies by credit score, loan type, and market conditions.
Property Tax: Varies by location, typically 0.5-2.5% of home value annually.
How to Use Mortgage Calculator
- 1
Enter home price and down payment amount.
- 2
Set loan term (years) and interest rate.
- 3
Add property tax, insurance, and PMI if needed.
- 4
View monthly payment and amortization schedule.
Frequently Asked Questions
What is included in monthly payment?▾
Monthly payment includes principal, interest, property tax, home insurance, and PMI (if down payment is less than 20%).
What is an amortization schedule?▾
An amortization schedule shows how each monthly payment is split between principal and interest over the life of the loan.
How much down payment do I need?▾
Typically 3-20% of home price. 20% or more avoids PMI (Private Mortgage Insurance) requirement.
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