Mortgage Calculator
Estimate your US monthly mortgage payment with taxes, insurance, optional PMI, and an amortization view.
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Inputs
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Monthly payment
$2,236.46
P&I + tax + insurance + PMI + HOA
- Principal & interest$1,769.79
- Property tax$350.00
- Home insurance$116.67
- PMI$0.00
- HOA$0.00
Estimates only. Actual payments vary by lender fees, escrow, and PMI rules.
Loan amount
$280,000
Total interest
$357,125
Payoff date
Aug 2056
Total of P&I
$637,125
Breakdown
- Principal & interest
- Property tax
- Insurance
Loan balance vs interest paid
Loan balanceInterest paid
Try an extra payment
Add a small extra monthly amount to see how much interest and time you could save.
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How this calculator works
Estimate your US monthly mortgage payment with taxes, insurance, optional PMI, and an amortization view.
How is it calculated?
Monthly P&I uses M = P · r(1+r)^n / ((1+r)^n − 1). Tax and insurance are annual ÷ 12. HOA and PMI are monthly. Extra payments reduce principal after the scheduled P&I.
Example
$350,000 home, 20% down, 6.5% for 30 years plus tax/insurance produces a PITI (+ HOA) monthly total.
Frequently asked questions
What is principal and interest?+
Principal pays down the loan balance; interest is the cost of borrowing. Together they form the base mortgage payment before escrow items.
How is monthly payment calculated?+
We use the standard amortizing loan formula with your rate and term, then add tax, insurance, PMI, and HOA you enter.
What is PMI?+
Private mortgage insurance. Lenders often require it when down payment is under 20%. Enter your quote — we don’t invent PMI rates.
How much does an extra payment save?+
Extra principal shortens the schedule. This tool estimates interest saved and an earlier payoff date from your extras.