Demo calculator

Mortgage Calculator

Estimate mortgage payment and related housing costs with a consistent calculator workflow.

Inputs

Home price

Purchase price of the property.

Down payment (%)

Down payment as a percent of home price.

Loan term (years)

Length of the mortgage in years.

Annual interest rate (%)

Quoted annual mortgage rate.

HOA fee (monthly)

Optional monthly HOA fee.

Enter inputs and click Calculate to see outputs.

Total monthly housing cost

Mortgage payment plus taxes, maintenance, insurance, and HOA fee.

Monthly mortgage payment

Principal and interest payment only.

Loan amount

Home price minus down payment.

Down payment amount

Upfront cash contribution at closing.

Total interest paid

Total interest over the full loan term.

Total amount paid

Total principal and interest paid over loan term.

Estimated property tax (monthly)

Monthly estimate from home value and tax assumption.

Estimated maintenance (monthly)

Monthly maintenance estimate from home value.

Estimated insurance (monthly)

Monthly homeowners insurance estimate.

Payment where principal exceeds interest

First payment where principal portion is larger than interest.

Home price

Input echoed for result context.

If down payment is below 20%, PMI may apply and is not included in this estimate.
Tax, insurance, and maintenance assumptions should be reviewed before using results with clients.