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Mortgage Calculator

Calculate monthly mortgage payments, total interest, and amortization schedule

Mortgage Calculator

Loan Details

Home Price ($)

Down Payment ($)

Loan Term (years)

Interest Rate (%)

Additional Costs (Annual)

Property Tax ($)

Home Insurance ($)

PMI ($)

Required if down payment is less than 20%

How to Use Mortgage Calculator

🏠 Basic Information

• Home Price: Total purchase price of the home
• Down Payment: Amount paid upfront (typically 10-20%)
• Loan Term: Length of mortgage (15, 20, 30 years)
• Interest Rate: Annual percentage rate (APR)

💰 Additional Costs

• Property Tax: Annual property tax amount
• Home Insurance: Annual homeowner's insurance
• PMI: Private mortgage insurance (if down payment < 20%)
• HOA Fees: Homeowner association fees

Understanding Mortgage Payments

📊 PITI Breakdown

PrincipalLoan amount repayment

InterestCost of borrowing money

TaxesProperty tax payments

InsuranceHomeowner's insurance

💡 Key Factors

• Loan Amount: Home price minus down payment
• Interest Rate: Higher rates = higher payments
• Loan Term: Longer terms = lower monthly payments
• Down Payment: More down = lower loan amount

Mortgage Tips and Strategies

💰 Save Money Tips

• Make a larger down payment to avoid PMI
• Shop around for the best interest rates
• Consider shorter loan terms for less total interest
• Make extra principal payments when possible
• Improve credit score before applying

📈 Payment Strategies

• Bi-weekly payments can save thousands in interest
• Round up monthly payments to nearest $50 or $100
• Apply tax refunds and bonuses to principal
• Refinance when rates drop significantly
• Consider 15-year vs 30-year loan trade-offs

Mortgage Types Comparison

Loan Type	Term	Monthly Payment	Total Interest
30-Year Fixed	360 months	Lower	Higher
15-Year Fixed	180 months	Higher	Lower
5/1 ARM	Variable	Initially Lower	Variable

More Financial Calculators

💳 Loan Calculator

Calculate payments for personal, auto, and business loans.

Calculate →

🔄 Refinance Calculator

Calculate savings from mortgage refinancing.

Calculate →

🏠 Affordability Calculator

Calculate how much house you can afford.

Calculate →

Mortgage Calculator

Calculate monthly mortgage payments, total interest, and amortization schedule

Mortgage Calculator

Loan Details

Home Price ($)

Down Payment ($)

Loan Term (years)

Interest Rate (%)

Additional Costs (Annual)

Property Tax ($)

Home Insurance ($)

PMI ($)

Required if down payment is less than 20%

How to Use Mortgage Calculator

🏠 Basic Information

• Home Price: Total purchase price of the home
• Down Payment: Amount paid upfront (typically 10-20%)
• Loan Term: Length of mortgage (15, 20, 30 years)
• Interest Rate: Annual percentage rate (APR)

💰 Additional Costs

• Property Tax: Annual property tax amount
• Home Insurance: Annual homeowner's insurance
• PMI: Private mortgage insurance (if down payment < 20%)
• HOA Fees: Homeowner association fees

Understanding Mortgage Payments

📊 PITI Breakdown

PrincipalLoan amount repayment

InterestCost of borrowing money

TaxesProperty tax payments

InsuranceHomeowner's insurance

💡 Key Factors

• Loan Amount: Home price minus down payment
• Interest Rate: Higher rates = higher payments
• Loan Term: Longer terms = lower monthly payments
• Down Payment: More down = lower loan amount

Mortgage Tips and Strategies

💰 Save Money Tips

• Make a larger down payment to avoid PMI
• Shop around for the best interest rates
• Consider shorter loan terms for less total interest
• Make extra principal payments when possible
• Improve credit score before applying

📈 Payment Strategies

• Bi-weekly payments can save thousands in interest
• Round up monthly payments to nearest $50 or $100
• Apply tax refunds and bonuses to principal
• Refinance when rates drop significantly
• Consider 15-year vs 30-year loan trade-offs

Mortgage Types Comparison

Loan Type	Term	Monthly Payment	Total Interest
30-Year Fixed	360 months	Lower	Higher
15-Year Fixed	180 months	Higher	Lower
5/1 ARM	Variable	Initially Lower	Variable

More Financial Calculators

💳 Loan Calculator

Calculate payments for personal, auto, and business loans.

Calculate →

🔄 Refinance Calculator

Calculate savings from mortgage refinancing.

Calculate →

🏠 Affordability Calculator

Calculate how much house you can afford.

Calculate →