Loan Details
$
$
20%
Current 30-yr average is ~6.2% (Mar 2026). Adjust for your credit score and lender quotes.
Add taxes, insurance & HOA
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$
$
Monthly Payment Breakdown
Total Monthly Payment (PITI)
$—
Principal · Interest · Taxes · Insurance
PMI applies. Your down payment is under 20% — lenders require Private Mortgage Insurance. You can remove it once you reach 20% equity. Consider a larger down payment to eliminate this cost.
Principal & Interest
$—
Property Tax
$—
Home Insurance
$—
PMI
$—
—
P&I
Principal & Interest$—
Property Tax$—
Insurance$—
PMI$—
Loan Amount
$—
—% of home price
Total Interest Paid
$—
over — years
Total Cost of Loan
$—
principal + all interest
Payoff Year
—
—
How your rate compares
This calculator provides estimates for educational purposes only. Actual mortgage payments depend on your credit score, lender, and loan program. Consult a licensed mortgage professional for personalized advice. PMI rates vary by lender and credit profile.
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