Mortgage Calculator with Chart & Amortization

Estimate your monthly payment with taxes, insurance, HOA and mortgage insurance. See the yearly chart, amortization table and what extra payments save.

Loan type

Home value ($)

Down payment

Interest rate (% per year)

Term (years)

First payment date

Property tax (% per year)

Homeowners insurance ($ per year)

Monthly HOA ($)

Annual mortgage insurance (%)

Upfront fee financed (%)

Extra monthly payment ($)

Extra yearly payment ($)

One-time extra payment at start ($)

Payments per year and balance

■ Principal■ Interest■ Taxes & fees■ Balance (right axis)

Amortization schedule

Insurance and fee values are reference values you can change; they vary by lender and program. On conventional loans insurance ends when the balance reaches 80% of value; on FHA it depends on your down payment. Results are estimates.

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.