Free Mortgage Calculator
Estimate monthly mortgage payments and explore different rates and terms. Pair with amortization views when you need a schedule. Runs privately in your browser.
Monthly payment
$2,514.28
- Loan amount
- $320,000.00
- Principal and interest
- $2,022.62
- Property tax
- $366.67
- Insurance
- $125.00
- HOA
- $0.00
- Total interest over loan
- $408,142.36
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Tasks
Estimate a house payment
Enter price, down payment, rate, term, tax, insurance, and HOA.
How to use
- Enter home price and down payment.
- Set rate and loan term.
- Add tax, insurance, and HOA.
- Read the full monthly payment.
FAQ
What does this mortgage estimate include?
It estimates payment from loan amount, interest rate, and term. Property taxes, insurance, and HOA fees are usually separate unless you add them into your own budget.
How is this different from a home-loan EMI tool?
Both estimate level payments from principal, rate, and tenure. Use whichever labels match your market; always treat the number as a planning estimate, not a lender commitment.
Can I model extra monthly payments?
This calculator focuses on the base payment for the stated term. For prepayment schedules, use an amortization-style tool or your lender’s worksheet.
Is my data private?
Mortgage inputs stay on your device for the estimate and are not sent to sbtwork servers.