Calculator
Mortgage Payment Calculator
Estimate a full monthly payment, not just principal and interest: taxes, insurance, HOA dues and mortgage insurance included. Enter an address and the state defaults load automatically.
What this calculator includes
A real payment is more than principal and interest. This one adds property taxes, homeowners insurance, HOA dues and mortgage insurance, because those are the numbers that decide whether a house actually fits your budget.
Mortgage insurance is estimated from your loan type and loan-to-value. Conventional PMI is priced by credit score and can be meaningfully higher or lower than the estimate shown. FHA, VA and USDA each carry their own upfront and annual structures, and the calculator applies them automatically when you switch loan types.
About the address field
Typing an address sets your state and loads that state’s tax and insurance defaults. It does not pull the listing yet. Send me a listing link or address and I will pull the property’s actual tax bill, HOA dues and any special district assessments, then rerun this with real numbers.
That matters more in some places than others. In Colorado a metro district can add well over a hundred dollars a month, and in Texas the county exemptions you qualify for change the bill substantially.
Related
All calculators · Buying power · Closing costs · PMI explained · Loan programs
Want the real numbers instead of estimates? I am David Silva, a mortgage loan officer in Westminster, CO (NMLS 1352284), licensed in Colorado, California, Georgia and Texas. Send me your scenario and I will run it with your actual credit profile, the property real taxes and HOA, and current pricing.