Utility Stack
Free finance calculator
Estimate monthly mortgage payments with principal, interest, property tax, homeowners insurance, PMI, HOA dues, and down payment details.
Payment result
Estimate only. This is not financial advice, a mortgage approval, or a loan offer.
Enter the home price, down payment, interest rate, and term. Add yearly property tax, yearly homeowners insurance, an estimated PMI rate, and monthly HOA dues when they apply. The calculator updates the estimated monthly payment in your browser.
The main payment includes principal and interest. Many homeowners also budget for property tax, homeowners insurance, private mortgage insurance, and HOA dues. These added costs can materially change the monthly amount.
Private mortgage insurance is commonly required when the down payment is below 20%. This calculator estimates PMI as a yearly percentage of the loan amount and divides it into monthly payments.
Actual lender numbers can include points, credits, origination fees, escrow setup, prepaid interest, county fees, and rate-lock terms. Use this page for planning, then compare official loan estimates before making a decision.
Does this include closing costs? No. Closing costs are separate from the ongoing monthly payment and vary by lender, location, and loan type.
Can I use this for a refinance? Yes, for a rough monthly-payment estimate. Enter the new loan amount as the price and use zero down payment.