Mortgage Calculator with Taxes, Insurance & PMI
Estimate your full monthly mortgage payment including principal, interest, property tax, homeowners insurance, PMI and HOA fees.
Runs on your device
Result
Results appear here as you type.
What it does
Lenders quote principal and interest, but your real payment usually includes escrow for taxes and insurance, plus private mortgage insurance (PMI) if you put down less than 20%.
How to use it
- Enter the home price, down payment and rate.
- Add property tax, insurance and HOA.
- Read the monthly breakdown.
Example
The example fills in realistic values and runs the tool. Select Try an example above to see it.
When it helps
- House hunting budgets.
- Comparing 15 and 30 year loans.
- Checking a lender’s estimate.
Questions
When does PMI stop?
For conventional loans, lenders must cancel it automatically at 78% loan to value; you can request removal at 80%.
What property tax rate should I use?
US effective rates range from about 0.3% to over 2% of value depending on the county.
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