Mortgage Calculator
Your real monthly payment with tax, insurance, HOA and PMI, plus what an extra payment saves.
Loan term
Taxes, insurance, HOA & PMI
Ad ยท Pressing this opens Amazon in a new tab. As an Amazon Associate, ZAGO.TO earns from qualifying purchases.
Loan amount
With extra payment
Monthly breakdown
Over the life of the loan
Amortization scheduleby year
| Year | Principal | Interest | Balance |
|---|
Why use this one
- The payment you will actually make. Principal and interest plus property tax, home insurance, HOA and PMI in one number, with a bar that shows where the money goes.
- PMI that ends on time. With less than 20% down, PMI is added and then dropped automatically once the balance reaches 78% of the home price.
- See what extra payments do. Add any amount per month and get the months and interest you save, plus the new payoff date.
- Share the exact scenario. Every input lives in the link, so a partner or agent sees the same numbers. Nothing is uploaded.
More tools
Results are estimates only and not financial advice. Your actual rate, payment, taxes, insurance and PMI terms come from your lender and local authorities. Interest is calculated monthly on the remaining balance (rate / 12) and rounded to the cent. Property tax defaults to 1.1% of the home price, a rough US average. Inputs are saved only on this device. AboutPrivacy