Mortgage calculator

Mortgage

Home price, down payment, rate, term — plus optional tax and insurance. Local math only.

Runs in your browser. Numbers stay on this device — nothing is uploaded to BrowserSpaces for processing.

PITI estimate

Principal, interest, tax, insurance.

Loan amount

Price minus down payment.

Total interest

Lifetime interest if paid as scheduled.

Use the calculator

Home priceDown paymentAnnual rate %Term (years)Property tax / yearInsurance / yearHOA / month

Loan amount

320000

Down %

20%

P&I / month

2022.62

Total / month

2539.29

Tax / month

400

Insurance / month

116.67

Total interest

408142.36

P&I lifetime

728142.36

How it works

How mortgage math works

Principal & interest use the standard amortization formula. Tax and insurance are monthly add-ons you enter as annual amounts.

Before you start

Optional HOA / month is included when you enter it. PMI and closing costs are not.
Rates change — treat this as an estimate.

Three steps