Mortgage Calculator
Estimate monthly mortgage payments including taxes and insurance
Estimated Monthly Payment (PITI)
$2422.62
Loan Amount
$320,000
Principal & Interest
$2022.62
Total Interest Paid
$408,142
Estimate only. Actual rates, taxes, and insurance vary by lender and location.
What is this tool?
Calculates estimated monthly mortgage payments, including principal, interest, and optionally property tax and insurance, based on your loan details.
How to use it
Enter the home price, down payment, interest rate, and loan term, and your estimated monthly payment breaks down automatically.
A larger down payment doesn't just lower your monthly payment — it can also help you avoid private mortgage insurance if it gets you above the typical 20% equity threshold, which is worth checking with your specific lender.
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