Free Mortgage Calculator with PMI, Taxes & Insurance
Calculate your estimated monthly house payment instantly - no signup required
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Understanding Your Mortgage Payment
Everything you need to know about calculating and understanding your monthly mortgage costs.
Our free mortgage payment calculator estimates your total monthly house payment by combining all the costs lenders consider:
- Principal & Interest: Your actual loan repayment
- Property Taxes: Based on your home's assessed value and local rates
- Homeowners Insurance: Required coverage protecting your property
- PMI: Private mortgage insurance if your down payment is under 20%
- HOA Fees: If applicable for condos and planned communities
Enter your home price, down payment, interest rate, and loan term. We'll show you exactly where every dollar goes.
Have more questions about mortgages?
View all frequently asked questionsDisclaimer: This calculator provides estimates based on the information you enter and national/state averages. Actual costs may vary based on your specific lender, exact property tax rates for your address, insurance quotes, and your credit profile. Use this as a planning tool, then get pre-approved with 2-3 lenders for exact, personalized numbers. This is not a commitment to lend. Consult a licensed mortgage professional for personalized advice.
Mortgage Calculator by State
Property taxes and home prices vary significantly by state. Choose your state for a calculator pre-filled with local tax rates and median prices.