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Mortgage Calculator

Calculate your monthly mortgage payment and see how much home you can afford. Factor in principal, interest, taxes, insurance, and HOA fees.

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Mortgage Calculator

Calculate your monthly mortgage payment and total cost

20.0% of home price

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Based on your calculation, here are personalized recommendations to help you reach your financial goals faster.

Top Pick
4.8

SoFi Mortgage

No origination fees, no PMI required with 10% down, and competitive rates for tech professionals.

  • No lender fees
  • 0.25% rate discount
  • Fast approval

Affiliate partner • We may earn a commission

Bonus Offer
4.9

Chase Sapphire Preferred®

Earn 60,000 bonus points and use them for home expenses or renovation costs.

  • 60K bonus points
  • 5x on travel
  • No foreign fees

Affiliate partner • We may earn a commission

Understanding Your Mortgage

What's Included in Your Payment

  • Principal & Interest: The loan amount and interest charged by the lender
  • Property Tax: Annual taxes on your property divided monthly
  • Home Insurance: Required insurance coverage for your home
  • HOA Fees: Homeowner association fees if applicable

Tips for Homebuyers

  • Aim for a down payment of at least 20% to avoid PMI
  • Consider a 15-year mortgage to save on interest
  • Factor in closing costs (typically 2-5% of home price)
  • Get pre-approved before house hunting

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Calculate private mortgage insurance costs and when you can remove it

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