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Mortgage Tools

Mortgage math with clarity.

Calculate payments, understand true costs, and compare lenders — all in one place.

Monthly Payment
$1,944.97
Based on your latest inputs
Loan Amount
$320,000
Total Out-of-Pocket
$2,803.31
Mortgage Inputs
Annual Tax & Cost
Extra Payments
Payment Breakdown

Monthly Pay

$1,944.97

Updated just now
Mortgage Payment $1,944.97
Property Tax $400.00
Home Insurance $125.00
PMI Insurance $0.00
HOA Fee $0.00
Other Costs $333.33
Total Out-of-Pocket $2,803.31
Principal & Interest
Property Taxes
Home Insurance
Other Costs
Loan Summary
House Price $400,000
Loan Amount $320,000
Down Payment $80,000
Total Interest $380,190.85
Mortgage Payoff Date Feb 2056
Interest Saved $0.00
Time Saved 0 months
Qualification Estimate
Min Gross Monthly Income $0.00
Min Gross Annual Income $0.00

Based on principal, interest, property taxes, home insurance, PMI, and HOA using a 28% housing ratio.

Amortization Preview
Month Date Interest Principal Ending Balance
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What Your Payment Includes

Most monthly payments combine principal and interest with escrowed items like property taxes and homeowners insurance. PMI and HOA can also be part of the monthly total if they apply to your loan.

Principal & Interest The loan amount plus the lender’s charge for borrowing.
Property Taxes Often collected monthly and paid out of escrow.
Home Insurance Typically escrowed so premiums are paid on time.
PMI / HOA Included when required by your loan or community.
Closing Costs Snapshot

Closing costs are the upfront charges to finalize the loan and transfer ownership. They are different from your down payment and show up on your Loan Estimate and Closing Disclosure.

Origination Charges Lender fees for processing and underwriting.
Services & Title Appraisal, title, and other third-party fees.
Taxes & Government Fees Recording and transfer costs.
Prepaids & Initial Escrow Insurance, interest, and escrow funding.
Loan Estimate vs. Closing Disclosure

Lenders must provide a Loan Estimate within three business days of your application. The Closing Disclosure arrives at least three business days before closing so you can confirm final numbers and resolve changes.

Loan Estimate Early snapshot of rate, payment, and total closing costs.
Closing Disclosure Finalized breakdown of costs and cash to close.
Compare Ask about any numbers that changed.
Extra Payments

Extra payments reduce your principal faster, which can shorten your payoff time and lower total interest. Confirm any prepayment terms with your lender.

Monthly Extra Add a set amount to every payment.
One-Time Extra Pay down balance when cash allows.
Always Verify Check lender rules before sending extra funds.