Home Buying
Mortgage Calculator
Estimate your total monthly mortgage payment, including taxes, insurance, PMI, and HOA.
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Estimate only — not advice.
This tool provides a simplified, general estimate for educational purposes.
It is not financial, tax, or legal advice, and it is not affiliated with
the IRS, the Social Security Administration, or any lender. See our full
disclaimer for what this calculator does and doesn't account for.
What this estimate assumes
- Principal & interest use the standard fixed-rate amortization formula.
- PMI is estimated at 0.5%/year of the loan amount when your down payment is under 20% — real PMI rates vary by lender and credit score.
- Property tax, insurance, and HOA are averaged into your monthly payment the way an escrow account typically works.
Want more context on rates and PMI? Read How Mortgage Rates Actually Work.
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