Mortgage calculator
What will you pay each month?
Enter your home price, down payment, and rate. We include taxes, insurance, and estimated PMI so you see the full picture.
Explore the what-if playgroundLoan type
Select a loan type to pre-fill the current market rate and typical term.
Type an amount or move the slider.
Taxes, insurance & HOA
Estimated monthly payment
$2,668
Principal, interest, tax, insurance & fees
Payment breakdown
Loan amount
$320,000
Down payment
$80,000
Total interest
$442,564
Total cost
$842,564
Small changes. Different possibilities.
Your what-if playground
Start with your current numbers. Change one thing.
Your current scenario
$2,668 /mo
6.95% rate · 30 years · $80,000 down
The what-if
$2,562 /mo
6.45% rate · 30 years · $80,000 down
Monthly difference
$106 less
Lifetime interest difference
$38,206 less
Additional down payment
$0
Half a percentage point lower. Same home, down payment, and term.
Illustrative estimates, not a rate forecast or lender quote. Scenario rates stay within 2% to 12%. Taxes, insurance, and HOA stay fixed; estimated PMI follows the down payment. Your numbers are not sent to AI.
Save a scenario or copy a link to return to these numbers.
Saved scenarios
Save payment models locally — no account needed. Up to 8 scenarios.
No saved scenarios yet. Adjust the sliders and tap Save current.
Explore your amortization schedule
Loan breakdown
Amortization schedule
How balance, interest, and principal change over the life of your loan
Monthly P&I
$2,118
Total interest
$442,564
Total paid
$762,564
Payoff
30 yrs