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Mortgage payment calculator

Estimate the whole monthly housing payment, including taxes, insurance, HOA, mortgage insurance, and financed program fees.

Your numbers stay on this device. Nothing is sent to Fred unless you choose to text him or build a private snapshot.

Estimated payment$3,100.44/moView details ↓

Your scenario

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Home price Loan amount

Loan program

Conventional FHA VA USDA

Home pricePurchase price or estimated value. Down paymentCash down as a percentage. Property tax rateAnnual tax as a percentage of value.

Interest rateUse a quote or an illustrative rate. Loan termWhole years, up to 30. Home insurance / monthMonthly homeowners insurance. HOA dues / monthEnter zero when none apply.

Credit-score rangeUsed only for an illustrative PMI estimate.

Estimated monthly payment

$3,100.44

Estimate ready

Conventional · 30 years · 20% down

Principal and interest: $2,275.44
Property taxes: $675.00
Homeowners insurance: $150.00
HOA dues: $0.00
Mortgage insurance: $0.00

Base loan$360,000.00

Estimated note$360,000.00

Loan-to-value80%

Upfront program fee$0.00

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Purchase-planning estimate only; refinance, VA IRRRL, and cash-out fee rules are not modeled. It is not a quote, Loan Estimate, APR, approval, or commitment to lend. Taxes, insurance, PMI, program fees, eligibility, and lender pricing must be verified for your specific loan.

Program assumptions and sources

Assumptions were reviewed August 5, 2026. FHA monthly MIP is intentionally estimated at 0.55% of the whole-dollar base loan divided by 12; actual HUD premiums can vary by term, LTV, and case details. Sources: HUD FHA MIP, USDA HB-1-3555 Chapter 16, VA funding fees, and the Enact fixed-rate PMI card. Conventional PMI is illustrative; actual coverage and pricing can vary.

What this number includes

One payment, with the assumptions visible.

Principal and interestCalculated from the estimated note amount, rate, and term.

Escrows and HOATaxes, homeowners insurance, and association dues are included separately.

Program costsIllustrative conventional PMI, FHA MIP, VA funding fees, or USDA fees appear when applicable.