Disclaimer: This calculator is for awareness only. Calculations may be incomplete or contain errors and are not financial advice or a substitute for professional guidance. Do not rely on these results for real transactions.
Loan Inputs
Home & Loan
$
$
or set percent below
%
%
%
Monthly Add-ons
$
$
$
$
Payments & Charts
Principal & Interest
$0.00
Escrows Total
$0.00
Total Monthly Payment
$0.00
Monthly Breakdown
Amortization (Principal vs Interest)
Close Costs Summary
| Down Payment | $0.00 |
| Estimated Closing Costs | $0.00 |
| Total Due at Close | $0.00 |
User Guide
How to Use the Calculator
- Home & Loan Inputs: Enter the home price, down payment (either as an amount or percentage), loan term, and interest rate.
- Monthly Add-ons: Provide estimates for monthly property tax, home insurance, HOA fees, and any private mortgage insurance (PMI).
- View Results: The calculator will instantly update the "Payments & Charts" section.
Understanding the Results
- Total Monthly Payment: The main result, showing your estimated total monthly cost (PITI + HOA).
- Monthly Breakdown Chart: A donut chart visualizing the proportion of your payment that goes to principal, interest, taxes, etc.
- Amortization Chart: A line chart showing how your loan balance decreases over time, and how much of your payment is interest vs. principal.
- Close Costs Summary: An estimate of the total cash you'll need at closing, including your down payment and estimated closing costs.
Disclaimer
This calculator is for informational and educational purposes only. The results are estimates and not a guarantee of loan terms. Always consult a financial professional for advice.