Home Loans · Calculator
Mortgage Calculator
Estimate your monthly mortgage payment with full PITI plus PMI and HOA dues.
Your inputs
Your results
Estimated total monthly
$3,353.70
P&I
$2,627
Tax
$450
Ins
$125
PMI
$152
HOA
$0
Loan amount
$405,000
LTV 90%
Total interest
$540,656
30-year term
Total paid (P&I)
$945,656
PMI status
Required (LTV > 80%)
Amortization preview
| Mo | Interest | Principal | Balance |
|---|---|---|---|
| 1 | $2,278 | $349 | $404,651 |
| 2 | $2,276 | $351 | $404,301 |
| 3 | $2,274 | $353 | $403,948 |
| 4 | $2,272 | $355 | $403,593 |
| 5 | $2,270 | $357 | $403,237 |
| 6 | $2,268 | $359 | $402,878 |
| 7 | $2,266 | $361 | $402,518 |
| 8 | $2,264 | $363 | $402,155 |
| 9 | $2,262 | $365 | $401,790 |
| 10 | $2,260 | $367 | $401,423 |
| 11 | $2,258 | $369 | $401,055 |
| 12 | $2,256 | $371 | $400,684 |
First 12 months shown. Use the Amortization Calculator for the full schedule.
Suggested next steps
- Pre-qualify with multiple lenders for soft-pull rate quotes.
- Confirm property tax and insurance estimates for your ZIP code.
- If LTV is above 80%, ask about lender-paid MI or higher down payment trade-offs.
Explore home loan options tailored to your criteria
Based on your home price, location, income, credit range, down payment, and goals, Finance Choices can help you compare mortgage, refinance, home equity, FHA, VA, and other home loan options from relevant partners.
Finance Choices calculators and simulators are for educational and informational purposes only. Results are estimates and may not reflect your actual loan terms, insurance premium, credit eligibility, interest rate, savings, repayment timeline, approval odds, or total cost. Finance Choices does not provide legal, tax, insurance, mortgage, or financial advice. Partner offers may vary based on credit profile, income, debt, location, property details, insurance history, lender criteria, underwriting guidelines, and other factors.