Mortgage Calculator with Taxes & Insurance
Calculate monthly mortgage payments including taxes, insurance, HOA and PMI. See total interest and payoff date. Free, no signup.
Frequently asked questions
- What is included in the total monthly payment?
- Principal and interest, plus property tax, home insurance, HOA dues and PMI if your down payment is under 20%. Utilities and maintenance are not included.
- How is PMI calculated here?
- PMI is estimated as an annual percentage of the loan amount divided by 12, and only applies while the loan-to-value ratio exceeds 80%.
- Does this include closing costs?
- No. Closing costs are a separate one-time expense — use the closing cost calculator for those.
- Is the rate fixed?
- The calculation assumes a fixed rate for the full term. Adjustable-rate mortgages will differ once the rate resets.
This tool runs entirely in your browser. No data is uploaded anywhere.