Mortgage Payment Calculator
Estimate your full monthly housing payment — P&I, taxes, insurance, and HOA — plus the total interest you'll pay over the life of the loan.
Monthly breakdown
- Principal & interest$2,275
- Property tax$450
- Insurance$150
Loan summary
- Down payment
- $90,000
- Amount financed
- $360,000
- P&I payment
- $2,275
- Total paid over life
- $819,160
- Total interest
- $459,160
Methodology & how to use this
How this works
Monthly P&I is the standard amortization formula: P × r / (1 − (1+r)^-n), where r is your monthly rate and n is the total number of monthly payments. Taxes, insurance, and HOA are added on top.
What we don't include
PMI (usually required under 20% down), mortgage points, and adjustable-rate resets. Your lender's disclosure will be the source of truth.
Frequently asked questions
Keep running the numbers
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