Plan ahead

Loan calculator

Model your real monthly payment — principal, interest, taxes, insurance, and payoff strategy — before you tour a place.

Loan details

Home price

Down payment — 20% ($90,000)

Loan term

Interest rate (APR)

Your real monthly cost usually includes more than principal and interest.

Property tax (per year)Estimated as a percentage of the home price, then split monthly.

Home insurance (per year)

HOA dues (per month)

PMI rate (per year)Private mortgage insurance. Only applied below when your down payment is under 20% (loan-to-value over 80%).

Include PMI when my down payment is under 20%

30-yr fixed

Estimated total monthly payment

$2,864

Includes principal, interest, tax, insurance

Principal$360,000

Total interest$480,583

Loan amount

$360,000

Loan-to-value

80%

Payoff date

Oct 2056

Total cost of loan

$840,583

Hover the chart to see exactly how much goes to principal vs. interest each year.