Plan with clarity

Estimate your complete monthly mortgage payment

Enter your loan details to see principal and interest, taxes, insurance, mortgage insurance, and HOA dues in one easy payment breakdown.

Sample values are prefilled. Replace them with your own information.

Your information

Loan and property details

Loan amount$The amount you expect to borrow after your down payment. You can find it on a preapproval or Loan Estimate.Annual interest rate%Use the note rate provided by your lender, not the APR. Rates can change until they are locked.Loan termmonthsThe number of monthly payments. A 30 year loan is 360 months; a 15 year loan is 180 months.Monthly mortgage insurance$Enter the monthly PMI or mortgage insurance amount quoted by your lender. Enter $0 if it does not apply.Annual property taxes$Use the annual tax amount from the property listing, county tax record, or your lender's estimate.Annual homeowners insurance$Use the annual premium from an insurance quote. Your actual cost depends on the property and coverage.Monthly HOA dues$Enter the monthly homeowners association dues from the property listing or association. Enter $0 if none.

Understanding the result

A complete payment is more than principal and interest

Principal & interest

The calculated payment that repays the amount borrowed plus interest over the selected term.

Taxes & insurance

Your annual estimates are divided by 12 to show the monthly amount commonly collected with a mortgage payment.

PMI & HOA

These are entered as monthly dollar amounts because they depend on the specific loan and property.