Tools
Mortgage Payment Calculator
Play with the numbers below and see how different scenarios affect your monthly payment. Fair warning: this is addictive. We've seen people spend 20 minutes adjusting sliders. (No judgment — we do it too.)
Loan Details
Enter a rate supplied for your scenario; this site does not advertise current rates.
Optional: include lender-provided fees
APR is calculated automatically; you never enter an APR. If available, add applicable prepaid finance charges from your lender to refine the estimate. Leaving this blank assumes $0 in prepaid finance charges.
Estimated Total Monthly Payment
Principal + Interest + Tax + Insurance
Monthly Breakdown
Loan Amount
$405,000
Total Interest
$0
Estimated APR — automatically calculated
APR updates automatically when your scenario changes. With no prepaid finance charges entered, estimated APR equals the scenario interest rate; actual APR may be higher.
This estimate is for illustration only and is not a Loan Estimate or an offer of credit. Estimated APR uses the loan amount minus any prepaid finance charges supplied and the scheduled principal-and-interest payments, assuming equal monthly payments on a fixed-rate loan. This simplified APR estimate excludes mortgage insurance and charges not supplied; the payment estimate also excludes mortgage insurance and HOA dues. This is not an adjustable-rate or HELOC calculator. Actual terms and APR may differ. All loans are subject to credit approval.
What's Next?
Now that you have a ballpark, here are your options:
Want Real Numbers? (Not Just Estimates)
Calculators are great for ballparks, but your actual payment depends on your credit, the specific property, taxes, insurance, and about 47 other things. Tell us your situation and we'll give you real numbers — no commitment required.