What is included in the monthly estimate?
The total includes principal, interest, the property tax and insurance amounts you enter, and an optional HOA fee.
Free Online Mortgage Calculator
Estimate a home payment, taxes, insurance, and total interest. This free online tool gives you the result immediately in your browser.
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How to use this mortgage calculator
- Enter the home price and down payment.
- Enter the interest rate and choose the loan term.
- Add estimated property tax, insurance, and HOA costs to see a fuller monthly estimate.
Common questions
Does this include mortgage insurance or closing costs?
No. Mortgage insurance, closing costs, changing taxes, and lender fees are not included unless you add them to your own planning.
Is this a loan offer?
No. It is a general estimate for planning. A lender determines actual rates, fees, qualification, and payments.