Mortgage Calculator

Use our home loan calculator to estimate your total mortgage payment, including taxes and insurance. Simply enter the price of the home, your down payment, and details about the home loan, to calculate your mortgage payment, schedule, and more.

Payment

Schedule

Your mortgage payments over 30 years will add up to $0.

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Mortgage Help

Down Payment

The typical rule of thumb is to pay 20 percent of the home's price as your down payment, although some mortgage loans require as little as 3.5 percent down. Your down payment reduces the total amount of your mortgage loan, so the more money you put down, the lower your payments will be - or the more expensive a house you can buy.

Loan Term

Your loan program can affect your interest rate and monthly payments. Choose from 30-year fixed, 15-year fixed, and more in the calculator.

Loan Type

There are several types of mortgage loans, but the most commonly used are fixed-rate and adjustable-rate loans. Fixed-rate loans have the same interest rate for the entire duration of the loan. That means your monthly payment will be the same, even for long-term loans, such as 30-year fixed-rate mortgages. Two benefits to this loan type are stability, and being able to calculate your total interest up front. Adjustable-rate mortgages (ARMs) have interest rates that can change over time. Typically they start out at a lower interest rate than a fixed-rate loan, and hold that rate for a set number of years, before changing interest rates from year to year. For example, if you have a 5/1 ARM, you will have the same interest rate for the first 5 years, and then your interest rate will change from year to year. The main benefit of an adjustable-rate loan is starting off with a lower interest rate.

Interest Rate

This field is pre-filled with the current average mortgage rate. Your actual rate will vary based on factors like credit score and down payment.

Property Tax Rate

The mortgage payment calculator includes estimated property taxes based on the home's value. You can edit this in the advanced options.

Home Insurance

Home insurance or homeowners insurance is typically required by lenders, depending on the loan program. You can edit this number in the mortgage calculator advanced options.

HOA Fees

A homeowners association fee (HOA fee) is an amount of money that must be paid monthly by owners of certain types of residential properties, and HOAs collect these fees to assist with maintaining and improving properties in the association.

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What Our Clients Say

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A fantastic team to get the job done! After a less than stellar experience with another realtor these true professionals swooped in and made it happen. Not only did they help me secure a wonderful property in Merion Village, they got my house sold when there were similar properties in my neighborhood that were on the market for MONTHS! They also provided expert guidance throughout the process and I believe they truly have their clients' best interests at heart. If I could give more than 5 stars I would! ⭐⭐⭐⭐⭐⭐

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Working with Stephanie was such a wonderful experience - She and her team were super responsive, always available to take a call and made the transaction so easy. I would recommend anybody in the market to buy or sell a home to call Stephanie!!

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Ambur Slayman

Jamie Lynch

Jennifer Carey

Stephanie & her team were exceptional. Their dedication to communication and replies in real time made for a smooth process from start to finish. As a lender of 25+ years, I am excited to work with them again in the future!

Neff Gulau & Co. Real Estate Group

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