Mortgage Calculator with Taxes, Insurance, HOA & Extra Payments
Estimate monthly mortgage payment with principal and interest, property taxes, homeowners insurance, HOA dues, and optional extra principal payments. Review assumptions, compare no-extra vs extra-payment outcomes, and download the yearly amortization schedule as CSV.
Try a common mortgage scenario
Payment estimate
$2,838 / Monthly
$360,000 loan amount, payoff in 30.0 years.
Estimated monthly total
$2,838
Principal & interest
$2,275
Property tax
$413
Insurance
$150
HOA
$0
Extra principal
$0
Loan amount
$360,000
Without extra principal
- Monthly total
- $2,838
- Total interest
- $459,160
- Payoff time
- 30.0 years
With current extra principal
- Monthly total
- $2,838
- Total interest
- $459,160
- Payoff time
- 30.0 years
Interest saved
$0
Time saved
0 months
Next step
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| Home price | $450,000 |
|---|---|
| Down payment | $90,000 (20.00%) |
| Loan amount | $360,000 |
| Interest rate % | 6.50% |
| Loan term years | 30 |
| Property tax % | 1.10% of home price / year |
| Insurance / month | $150 |
| HOA / month | $0 |
| Extra principal / month | $0 |
| Excluded costs | PMI, closing costs, lender fees, local assessments, escrow changes, tax changes, and personalized financial advice. |
Total interest
$459,160
Payoff time
30.0 years
Schedule rows
30
| Year | Principal | Interest | Ending balance |
|---|---|---|---|
| 1 | $4,024 | $23,282 | $355,976 |
| 2 | $4,293 | $23,012 | $351,683 |
| 3 | $4,581 | $22,725 | $347,102 |
| 4 | $4,888 | $22,418 | $342,214 |
| 5 | $5,215 | $22,090 | $337,000 |
| 6 | $5,564 | $21,741 | $331,435 |
| 7 | $5,937 | $21,368 | $325,498 |
| 8 | $6,334 | $20,971 | $319,164 |
| 9 | $6,759 | $20,547 | $312,405 |
| 10 | $7,211 | $20,094 | $305,194 |
Showing the first 10 years of 30.
A mortgage calculator estimates monthly payment from loan amount, interest rate, loan term, and common housing costs such as property tax and insurance.
Use it to compare home prices, down payments, 15-year vs 30-year terms, extra principal payment scenarios, and yearly amortization before requesting lender quotes.
Loan basics
Home price, down payment, interest rate, and loan term drive the principal and interest payment.
Housing costs
Property tax, homeowners insurance, HOA, and extra principal can change the monthly total materially.
M = P x r(1+r)^n / ((1+r)^n - 1)
P is loan amount, r is monthly interest rate, and n is the number of monthly payments. Taxes, insurance, HOA, and extra principal are added after principal and interest.
Example: A $450,000 home with $90,000 down leaves a $360,000 loan. At 6.5% for 30 years, principal and interest are estimated before property tax, insurance, HOA, and extra principal.
Mortgage costs vary by lender, credit profile, location, taxes, insurance, and closing costs. This page uses U.S.-style property tax, homeowners insurance, HOA, and escrow-style planning assumptions for rough scenario comparison before requesting real loan estimates.
Calculations are handled in the browser for this tool based on the current public implementation. Avoid entering sensitive personal financial details unless you have reviewed the implementation.
Monthly payment planning
Estimate principal, interest, taxes, insurance, and HOA before deciding a target purchase price.
15-year vs 30-year comparison
Change the loan term to see how monthly payment and total interest shift.
Extra principal scenarios
Add extra monthly principal to estimate faster payoff timing and lower interest cost.
Amortization review
Use the yearly schedule and CSV export to see how principal, interest, and ending balance change over time.
monthly mortgage payment calculator with taxes and insurance
Estimate principal, interest, property tax, homeowners insurance, HOA, and optional extra principal together.
mortgage calculator with taxes, insurance, HOA and extra payments
Use one estimate for housing costs, extra principal, assumption review, and yearly amortization export.
15-year vs 30-year mortgage calculator
Compare payment pressure, total interest, and payoff timing when the term changes.
extra mortgage payment calculator
Add extra monthly principal to estimate earlier payoff and lower lifetime interest.
mortgage amortization schedule CSV
Review or download yearly principal, interest, and ending balance changes from the same scenario.
Treating the estimate as a quote
Rates, PMI, lender fees, credits, escrow rules, and closing costs can change real offers. Use this for planning before lender quotes.
Leaving tax or insurance blank
Principal and interest alone can understate the monthly cost. Add realistic property tax, insurance, HOA, and local assessments when possible.
Comparing terms by payment only
A lower monthly payment can mean much higher total interest. Compare total interest and payoff timing as well as monthly cost.
Example
A $400,000 loan at 6.5% for 30 years estimates principal and interest before adding U.S.-style property tax, insurance, HOA, or extra principal.
Assumption
The core payment formula assumes a fixed-rate loan with equal monthly payments over the selected term.
Limitation
PMI, closing costs, escrow adjustments, lender credits, tax changes, and local assessments are not included.
What is a mortgage calculator with taxes and insurance?
It estimates monthly payment from loan amount, interest rate, term, property tax, homeowners insurance, HOA dues, and optional extra principal payments.
What is included in monthly payment?
The total shown here includes principal and interest, estimated property tax, insurance, HOA, and extra principal payment if entered.
How do extra payments affect the mortgage?
Extra principal payments reduce the balance faster, which can shorten payoff time and reduce total interest.
Why is my real payment different?
Real payments can include PMI, escrow changes, local taxes, lender fees, and insurance changes that this simple estimate does not model.
Can I use this for a 15-year mortgage?
Yes. Change the loan term to 15 years or any term between 1 and 50 years.
Is this mortgage estimate financial advice?
No. It is an educational estimate for scenario planning, not a lender quote, underwriting decision, or financial advice.
What is a mortgage calculator with taxes and insurance?
It estimates monthly payment from loan amount, interest rate, term, property tax, homeowners insurance, HOA dues, and optional extra principal payments.
What is included in monthly payment?
The total shown here includes principal and interest, estimated property tax, insurance, HOA, and extra principal payment if entered.
How do extra payments affect the mortgage?
Extra principal payments reduce the balance faster, which can shorten payoff time and reduce total interest.
Why is my real payment different?
Real payments can include PMI, escrow changes, local taxes, lender fees, and insurance changes that this simple estimate does not model.
Can I use this for a 15-year mortgage?
Yes. Change the loan term to 15 years or any term between 1 and 50 years.
Is this mortgage estimate financial advice?
No. It is an educational estimate for scenario planning, not a lender quote, underwriting decision, or financial advice.
Suggested workflow
Home budget planning path
Move from monthly housing cost to loan comparison, percentage checks, and long-term cash planning.