🧮 Loan details
Leave blank or 0 if you plan a zero-down loan.
Optional estimate for property tax, homeowner's insurance, HOA, etc.
Mortgage Calculator
Estimate your monthly mortgage payment, total interest, and total cost of your home loan.
Real Estate & Home Loans
⚡ Live calculation
📊 History on this device
📈 Payments
Your monthly mortgage
Waiting for input…
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Principal & interest (monthly)
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Total payment (incl. extras)
Status
No loan yet
Lifetime totals
Total paid (loan only): --
Total interest: --
Total interest: --
Enter your home price, down payment, rate, and term to see your mortgage breakdown.
This calculator is for estimates only and does not include every possible fee or cost.
📊 Amortization (preview)
First 12 months
This is a simplified preview. Actual schedules may differ slightly depending on your lender's rounding and payment schedule.
| Month | Payment | Principal | Interest | Balance |
|---|---|---|---|---|
| Enter loan details to see an amortization preview. | ||||
🕒 History
Saved mortgage scenarios
Saved scenarios are stored locally on this device only. Use them to compare different rates, terms, and down payments.
No scenarios saved yet.
📚 Tips & FAQ
How to use this mortgage calculator
- Try different down payment amounts to see how they affect your monthly payment and total interest.
- Shorter terms (15 years) usually mean higher monthly payments but much less interest over the life of the loan.
- Adding taxes, insurance, and HOA gives a more realistic “all-in” monthly cost.