Financial

Mortgage Calculator

Estimate principal, interest, taxes, insurance, HOA dues, and full loan cost for a home purchase.

Inputs

Defaults are prefilled so the result is visible immediately.

Home price

Down payment

Interest rate%

Loan termyears

Annual property tax

Annual homeowners insurance

Monthly HOA dues

Results

A PITI-style estimate that separates loan payment from ownership costs.

Estimated monthly payment

$2,875.44

Principal and interest

$2,275.44

Loan amount

$360,000.00

Monthly tax and insurance

$600.00

Total loan interest

$459,160.16

Total of loan payments

$819,160.16

Loan-to-value

80%

Principal and interest$2,275.44

Taxes$450.00

Insurance$150.00

HOA$0.00

Formula and Assumptions

Monthly PI = P x r / (1 - (1 + r)^-n); total payment adds monthly taxes, insurance, and HOA.

Taxes, insurance, and HOA are separated so the financing cost is not confused with ownership cost.

Private mortgage insurance is not estimated; add it to HOA or insurance if it applies.

Reference Upgrade

Built from the Calculator.net model, with added context.

Live validation and instant result updates instead of a submit-only workflow.

Multiple decision metrics are shown together, not only the primary answer.

Formula notes and assumptions are visible on the page so the math is easier to audit.

Reference Model

Modeled after the input style and primary output on Calculator.net's Mortgage Calculator.

The page keeps the math in one place and exposes the assumptions beside the result.

Default inputs: homePrice=450000, downPayment=90000, interestRate=6.5, loanYears=30, propertyTax=5400, insurance=1800