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mortgageClassic tool

Mortgage Calculator

Estimate loan amount, monthly payment, total interest and full housing cost with taxes, insurance and fees.

Use this mortgage calculator to estimate how much a fixed-rate home loan could cost each month. It helps you compare home price, down payment, rate and term before you ask for lender quotes or review a listing in detail.

What this mortgage calculator includes

  • Home price and down payment as either a dollar amount or a percentage.
  • Fixed annual interest rate and loan term in years.
  • Common monthly housing costs such as property tax, home insurance, HOA dues and mortgage insurance.

The result is an educational estimate. Closing costs, maintenance, changing escrow amounts and lender-specific rules can make the real payment different.

Useful for quick home-buying scenarios, lender comparisons and affordability checks.

Fixed-rate estimate only. Real payments can change with escrow, insurance, fees and lender rules.

SummaryEnter home price, down payment, rate and term to calculate.
Estimated loan amount—
Down payment—
Monthly principal + interest—
Monthly extras—
Estimated total monthly payment—
Total interest over the loan—
Total paid in principal + interest—
Estimated loan-to-value—
Extra cost breakdown—

Use clear inputs to get a more useful result.