Free Mortgage Payment Calculator

This free mortgage payment calculator breaks your monthly payment into principal, interest, taxes, insurance, PMI, and HOA, so you see the real number before you shop. Change the price, down payment, or rate and it updates instantly. No account, and no limit on how many times you run it.

Free forever · No signup

Your loan

$
%
%
yrs

Taxes, insurance & fees

$
Auto-set to about 1.1% of price. Edit for your county.
$
Auto-set to about 0.5% of price.
$
%
Charged under 20% down. Set to 0 at 20%+.

Your monthly payment

Principal & interest$0
Property tax$0
Home insurance$0
PMI / MIP$0
HOA$0
Total monthly payment$0
Loan amount$0
Total interest over the loan$0
Total of all payments$0
Free here: no login, no report cap, and you can print or save the result. Run as many scenarios as you want.
Estimates only. Confirm the exact numbers with your lender before you buy.

What actually goes into your monthly payment

Your payment is more than principal and interest. Property tax and home insurance get folded in through escrow, and if you put down less than 20% you also pay PMI, or MIP on an FHA loan. The calculator fills in tax and insurance from national averages so the total is realistic, and every field stays editable for your own county and quotes.

The interest rate starts at this week's 30-year average from Freddie Mac. Paid calculators often cap how many scenarios you can run or lock the export. Here you can run as many as you want and print or save any of them for free.

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