Mortgage Calculator

Mortgage Calculator

Estimate Your Payment In

Use this calculator to estimate principal and interest, taxes, insurance, HOA dues, down payment, and loan amount before comparing homes across .

This is an educational estimate only. Actual payments depend on lender terms, credit, rate locks, property taxes, insurance quotes, HOA dues, loan program, and closing costs.

Interactive Payment Tool

Simple Mortgage Math

Purchase price minus down payment equals loan amount. The loan amount, interest rate, and term create the principal and interest payment. Taxes, insurance, and HOA dues are then added to estimate the monthly housing cost.

$
5% ($12,500)
5.00%
$
$
$
$1,583.33
MONTHLY PAYMENT
Principal & Interest
$1,275
Monthly Taxes
$208.33
Monthly HOA
$50
Monthly Insurance
$50.00
Down Payment$12,500
Loan Amount$237,500

Buyer Planning

What The Payment Does Not Show

A mortgage calculator helps narrow the search, but buyers should also plan for closing costs, inspection costs, appraisal fees, moving expenses, maintenance, reserves, utility changes, and potential repairs or upgrades after closing.

Local Search

Compare Payment By Community

Homes across may vary by taxes, HOA dues, home age, insurance needs, and price point. Use the inquiry section below to share the type of home you are considering and the communities you are comparing.

LIVE MORTGAGE RATES
FREDDIE MAC PMMS • UPDATED WEEKLY
30-YR FIXED
15-YR FIXED
AS OF —
National averages. Your actual rate varies by credit, LTV, loan type, and lender.

Local Market Experience

GET IN TOUCH

Heidi Giles Realtor
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