Full-featured home mortgage calculator. Computes monthly Principal, Interest, Property Taxes, Homeowners Insurance, HOA dues, and PMI for down payments under 20%, with complete 30-year amortization schedules.
Runs entirely in your browser
A home loan payment is more than principal and interest. This calculator computes the full monthly cost — PITI: Principal, Interest, property Taxes and homeowners Insurance — and adds HOA dues and PMI (private mortgage insurance, which lenders typically require when the down payment is under 20%), then produces a complete amortization schedule.
Including taxes, insurance, HOA and PMI gives a realistic monthly figure rather than the understated principal-and-interest number many calculators show — which is exactly the surprise that catches first-time buyers. The amortization schedule shows how the balance falls and how much interest you pay over the life of the loan.
It runs in your browser, so your figures stay private. Treat it as a planning estimate; actual tax, insurance and HOA amounts depend on your property and location, and a lender’s quote is the final word.
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