Tools

Mortgage calculator

Most payment calculators show you the loan payment and stop there, which is why the real bill comes as a surprise. This one includes property tax, insurance and HOA fees, because those are the parts that move the number.

Home price$Down payment%That is $105,000Interest rate%A round starting point. Type in the rate your lender actually quoted you.Loan lengthyearsProperty tax rate%Rates differ by county and by city. Check the county assessor for the property.Home insurance, per year$HOA fees, per month$Leave at zero if there is no association.

What this is, and what it is not

This is arithmetic on the numbers you typed in. It is an estimate for planning, not a quote, not an offer of credit, and not an approval. I am a REALTOR^® and not a lender, so I cannot tell you what rate you would be offered or what you can afford. A lender can, and it costs nothing to ask two of them.

Nothing you type here is sent anywhere, saved, or attached to your name. It all happens in your own browser.

Estimated monthly payment

$3,133

Principal and interest$2,655

Property tax$328

Home insurance$150

Total each month$3,133

Down payment$105,000

Amount borrowed$420,000

Interest over the full term$535,687

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