What does the mortgage monthly payment include?
It includes principal and interest plus optional monthly tax, insurance, HOA, and PMI values entered by the user.
Mortgage Calculator
Mortgage Calculator
Estimate mortgage payments with taxes, insurance, HOA, PMI, comparison mode, and amortization CSV export.
This calculator provides estimates for planning purposes only. It is not financial, tax, lending, or investment advice. Actual terms, taxes, fees, and rates vary by lender and location.
Monthly payment
Principal and interest: $2,528.27
Loan principal: $400,000.00
Total interest: $510,177.95
Compare another mortgage
$3,194.88 / month
Amortization preview
Export CSV| Month | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| 1 | $2,528.27 | $361.61 | $2,166.67 | $399,638.39 |
| 2 | $2,528.27 | $363.56 | $2,164.71 | $399,274.83 |
| 3 | $2,528.27 | $365.53 | $2,162.74 | $398,909.30 |
| 4 | $2,528.27 | $367.51 | $2,160.76 | $398,541.78 |
| 5 | $2,528.27 | $369.50 | $2,158.77 | $398,172.28 |
| 6 | $2,528.27 | $371.51 | $2,156.77 | $397,800.77 |
| 7 | $2,528.27 | $373.52 | $2,154.75 | $397,427.26 |
| 8 | $2,528.27 | $375.54 | $2,152.73 | $397,051.71 |
| 9 | $2,528.27 | $377.58 | $2,150.70 | $396,674.14 |
| 10 | $2,528.27 | $379.62 | $2,148.65 | $396,294.52 |
| 11 | $2,528.27 | $381.68 | $2,146.60 | $395,912.84 |
| 12 | $2,528.27 | $383.74 | $2,144.53 | $395,529.10 |
How it works
1
Enter loan and cost inputs
Add home price, down payment, rate, term, taxes, insurance, HOA, and PMI.
2
Compare another mortgage
Use the comparison panel to test a different rate or down payment.
3
Export amortization
Download the full month-by-month schedule as CSV.
FAQ
Is this lending advice?
This calculator provides estimates for planning purposes only. It is not financial, tax, lending, or investment advice. Actual terms, taxes, fees, and rates vary by lender and location.
Related calculators
FinanceLive
Auto Loan Calculator
Estimate auto loan monthly payments with tax, fees, trade-in, comparison, and amortization CSV export.
MathLive
Percentage Calculator
Solve percent-of, percent ratio, and percent change questions in one compact calculator.
Date and TimeLive
Date Calculator
Add or subtract days from any date and get a clean shareable result instantly.