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 youYou have 0 of 3 scenarios saved. This tool keeps 3 at a time.
A 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
- Oct 2056
| Payment | Principal | Interest | Estimated PMI | Balance |
|---|---|---|---|---|
| Nov 2026 | $438.45 | $2,627.08 | $165.71 | $484,561.55 |
| Dec 2026 | $440.82 | $2,624.71 | $165.71 | $484,120.73 |
| Jan 2027 | $443.21 | $2,622.32 | $165.71 | $483,677.52 |
| Feb 2027 | $445.61 | $2,619.92 | $165.71 | $483,231.91 |
| Mar 2027 | $448.02 | $2,617.51 | $165.71 | $482,783.89 |
| Apr 2027 | $450.45 | $2,615.08 | $165.71 | $482,333.44 |
| May 2027 | $452.89 | $2,612.64 | $165.71 | $481,880.55 |
| Jun 2027 | $455.34 | $2,610.19 | $165.71 | $481,425.21 |
| Jul 2027 | $457.81 | $2,607.72 | $165.71 | $480,967.40 |
| Aug 2027 | $460.29 | $2,605.24 | $165.71 | $480,507.11 |
| Sep 2027 | $462.78 | $2,602.75 | $165.71 | $480,044.33 |
| Oct 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.
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