Mortgage Payment & True Cost Calculator

Principal and interest is only part of the bill. This tool builds your complete monthly payment, taxes, insurance, PMI, and HOA included, shows what you'll need in cash at closing, and lets you see exactly what a 15-year term or an extra payment each month would actually save you.

The basics of what you're financing.

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Below 20% of the home price, we'll estimate private mortgage insurance (PMI) until you reach 20% equity
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This tool provides general educational estimates only. Actual rates, taxes, insurance, and closing costs vary by lender, location, and loan program. It is not a loan offer or personalized financial advice. Read our full disclaimer →

Your Mortgage Breakdown

Fill in your numbers above, then select "Calculate My Mortgage" to see your full breakdown.