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Mortgage Calculator
Calculate your full monthly mortgage payment — principal & interest, property tax, insurance, HOA, and PMI. View amortization schedule and check affordability.
Loan Details
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Monthly Costs
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Typically 0.2%–1.5% of loan amount annually
Total Monthly Payment
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Principal & Interest + Taxes + Insurance + HOA + PMI
Monthly Breakdown
Principal & Interest
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Property Tax
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Home Insurance
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HOA
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PMI (until 20% equity)
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P&I Payment
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Total Interest
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Total Cost
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Payoff Date
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Amortization Summary
| Milestone | Paid (P&I) | Principal Paid | Interest Paid | Balance |
|---|
Principal vs Interest Over Time
Affordability Check
Using the 28% rule: your monthly housing payment should not exceed 28% of gross monthly income.
Min. Monthly Income Needed
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Min. Annual Income Needed
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Based on total monthly PITI payment. Lenders may use 36% for all debt (DTI).
Amortization Schedule
| Year | Payment | Principal | Interest | Balance |
|---|