Mortgage Calculator
Monthly mortgage payment with property tax, home insurance, HOA and PMI, plus the full amortization schedule. For US-style mortgages.
Monthly payment
—
Principal and interest—
Property tax—
Home insurance—
PMI—
HOA—
Loan amount—
Total interest over the term—
PMI ends—
Balance by year
| Year | Principal | Interest | Balance |
|---|
How to use the Mortgage calculator
- Enter the home price, down payment, rate and term.
- Add yearly property tax, insurance and any HOA fee.
- Read the monthly payment and download the schedule.
About this tool
Adds the costs that sit on top of principal and interest in a US mortgage payment (PITI). PMI is applied until the loan falls to 78% of the home price.
Built and reviewed by Savitar Finance (savitarfinance@gmail.com). Rules and rates last checked October 2026. How we calculate · Report a problem
Questions people ask
When does PMI stop?
Lenders must cancel PMI automatically when the balance reaches 78% of the original home value, and you can ask at 80%.
What is PITI?
Principal, interest, taxes and insurance: the full monthly housing payment lenders use to judge affordability.