Know the payment before you make the offer.
Move three sliders and see what a house actually costs each month: the loan, the taxes, the insurance, and the mortgage insurance.
Start with the house you have in mind.
Pick a loan type, set the price and the down payment, and the payment updates as you go. Open the advanced panel for the rest.
$3,689.58
per month
- Principal & interest $3,065.53 83%
- Property tax $229.17 6%
- Homeowners insurance $229.17 6%
- Estimated PMI $165.71 4%
An estimate built from what you entered — not a quote or an approval.
Get this priced for youA starting assumption, not an offer. Your rate is priced to your file.
Where every dollar of it goes.
The same payment three ways: what it is made of, what it looks like month by month, and how the balance falls.
- Home price
- $500,000
- Down payment
- $15,000 (3.0%)
- Base loan amount
- $485,000
- Total loan amount
- $485,000
- Loan-to-value
- 97.0%
- Interest rate
- 6.500%
- Loan term
- 30 years
- Monthly principal & interest
- $3,065.53
- Monthly property tax
- $229.17
- Monthly homeowners insurance
- $229.17
- Monthly estimated pmi (0.41% a year)
- $165.71
- Your estimated monthly payment
- $3,689.58
Comes off after about 12 years, on the scheduled balance. Mortgage insurance is priced by your credit and your down payment. This is a representative card.
- Monthly principal & interest
- $3,065.53
- Total interest
- $618,591
- Total of 360 payments
- $1,103,591
- Payoff date
- Aug 2056
| Payment | Principal | Interest | Estimated PMI | Balance |
|---|---|---|---|---|
| Sep 2026 | $438.45 | $2,627.08 | $165.71 | $484,561.55 |
| Oct 2026 | $440.82 | $2,624.71 | $165.71 | $484,120.73 |
| Nov 2026 | $443.21 | $2,622.32 | $165.71 | $483,677.52 |
| Dec 2026 | $445.61 | $2,619.92 | $165.71 | $483,231.91 |
| Jan 2027 | $448.02 | $2,617.51 | $165.71 | $482,783.89 |
| Feb 2027 | $450.45 | $2,615.08 | $165.71 | $482,333.44 |
| Mar 2027 | $452.89 | $2,612.64 | $165.71 | $481,880.55 |
| Apr 2027 | $455.34 | $2,610.19 | $165.71 | $481,425.21 |
| May 2027 | $457.81 | $2,607.72 | $165.71 | $480,967.40 |
| Jun 2027 | $460.29 | $2,605.24 | $165.71 | $480,507.11 |
| Jul 2027 | $462.78 | $2,602.75 | $165.71 | $480,044.33 |
| Aug 2027 | $465.29 | $2,600.24 | $165.71 | $479,579.04 |
Year 1 of 30 · payments 1–12
- Principal
- Interest
- Taxes & fees
$618,591 in interest over 30 years, ending at a zero balance.
A payment is an estimate. A pre-approval is an answer.
This tool assumes. A loan officer verifies — your income, your credit, the property, and the pricing you actually qualify for today.
Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.