Mortgage Calculator in English & Spanish

Estimate your real monthly payment: principal, interest, taxes, insurance and mortgage insurance. Works for conventional, FHA, VA and USDA loans.

Loan type

Home price ($)

Down payment (%)

Interest rate (% per year)

Term (years)

Property tax (% per year)

Homeowners insurance ($ per year)

Annual mortgage insurance (%)

Upfront fee financed (%)

Monthly HOA ($)

Guides

All guides → · How much house can I afford? · VA loan basics · FHA requirements · Versión en español

Insurance rates and upfront fees are reference values you can change; they vary by lender, credit score, loan size and program. On conventional loans, mortgage insurance applies only with less than 20% down.

Important: this information is educational, not financial, legal or tax advice. Results are estimates and do not guarantee approval or rates. We are not a lender or mortgage broker. Confirm current rules with a licensed lender.

Principal & interest
Property tax
Homeowners insurance
Mortgage insurance
HOA
Down payment
Upfront fee financed
Loan amount
Total interest over the loan
Suggested monthly income (housing ≤ 28% of income)