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Mortgage Calculator

See how your home price, down payment, and interest rate shape your monthly payment.

Home price ($)Down payment (%)Interest rate (%)Loan term (years)Property tax / year ($)Home insurance / year ($)HOA / month ($)Mortgage insurance / month ($)

Mortgage insurance estimate

PMI calculationEstimated annual PMI rate (%)

Automatic PMI uses an editable 0.60% annual planning rate below 20% down and $0 at 20% down or more. This is not a live insurer quote. Actual premiums may be outside the shown range and depend on credit, loan-to-value, loan type, coverage, and insurer. Estimates can change.

PMI source: Freddie Mac · General range: $30–$70 per month per $100,000 borrowed (0.36%–0.84% annually). Midpoint selected for this calculator. Reviewed September 18, 2026.

Taxes, insurance, and HOA amounts are editable estimates. This calculator models a fully amortizing fixed-rate loan. Automatic PMI is for conventional loans only; FHA, VA, USDA, and lender-paid insurance require different treatment.

Illustration only. Not a Loan Estimate, approval, rate quote, or commitment to lend. Actual costs and eligibility vary. The interest rate is an editable example, not an offered rate. Closing costs and prepaid expenses are not included. Mortgage insurance is an estimate, not a premium quote. Automatic PMI uses the selected conventional annual rate; manual mode uses your monthly amount. Estimates can change.

Mortgage Calculator

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