EV-T16Standalone tool

Mortgage payment calculator

Estimate a monthly mortgage payment with principal, interest, property tax, insurance, and HOA dues shown separately.

EV-T16

Estimate a monthly mortgage payment.

See principal and interest beside property tax, insurance, and HOA dues. This educational estimate is not a loan offer or financial advice.

COMMON WAYS TO ASK

How much house payment can I afford to test?
Estimate a monthly mortgage payment
What does PITI include?

QUICK ANSWER

What this calculator tells you.

The estimate splits a monthly mortgage payment into fixed-rate principal and interest plus a monthly share of property tax, home insurance, and HOA dues. It is an educational scenario, not a quote, preapproval, or advice.

WORKED EXAMPLE

A $400,000 home with 20% down

INPUT$400,000 · $80,000 down · 6% · 30 years · $4,800 tax · $1,800 insurance

RESULT$1,918.56 principal & interest · $550 escrow share · $2,468.56 total

CHECK THE EDGE CASES

Questions people ask next.

Why is my real payment higher than the principal and interest?

Lenders commonly collect property tax and insurance through an escrow account, and loans with less than 20 percent down often add mortgage insurance. This tool shows tax, insurance, and HOA separately so the difference stays visible.

Does a longer term make the loan cheaper?

A longer term lowers the monthly payment but increases the total interest paid across the loan. Compare the lifetime-interest figure, not only the monthly number.