Free Mortgage Calculator
Estimate your real monthly payment — principal, interest, taxes, insurance, and HOA included.
US average is roughly 0.9–1.2%.
How to use the Mortgage Calculator
- Enter the home price and your down payment.
- Add the interest rate and loan term — 30 years is the US standard.
- Include property tax, insurance, and HOA for a realistic monthly total, then click Calculate.
Good to know
- This is an estimate for planning, not a loan offer. Your lender's numbers will differ (PMI, exact tax assessments, and closing costs are not included).
- Property tax rates vary widely by state and county — check your local rate for a closer estimate.
Frequently asked questions
What is PITI?
Principal, Interest, Taxes, and Insurance — the four parts most US lenders bundle into one monthly payment. This calculator shows all four, plus HOA.
Does this include PMI?
No. If your down payment is under 20%, most lenders add Private Mortgage Insurance until you reach 20% equity — ask your lender for that figure.