Mortgage Calculator

Calculate your monthly mortgage payment with visual breakdown

Monthly Payment
Loan Amount
Down Payment
Total Interest
Total Cost
Principal
Interest

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About This Tool

Calculate monthly mortgage payments with principal, interest, taxes, and insurance. Compare different loan terms and down payment amounts to find the right home financing plan for your budget.

How to Use

  1. Enter the home price, down payment, interest rate, and loan term.
  2. View your estimated monthly payment broken down by component.
  3. Adjust inputs to compare different scenarios.

Frequently Asked Questions

How much house can I afford?

The standard guideline is spending no more than 28% of gross monthly income on housing. Enter different home prices to find where your monthly payment hits that threshold.

Is a 15-year or 30-year mortgage better?

A 15-year mortgage has higher monthly payments but saves tens of thousands in interest. A 30-year has lower payments but costs more over the life of the loan.