Mortgage Calculator

Calculate your Mortgage final settlement for free

Calculator Description

Estimate your monthly mortgage payment, total interest, payoff date, and full amortization schedule — including property taxes, insurance, PMI, HOA, and extra payments.

Loan Details

Home Price ($)

Down Payment ($)

Down Payment (%)

Loan Term (years)

Interest Rate (%)

Start Date

Include Taxes & Costs Below

Annual Tax & Cost

Property Taxes ($/yr)

Home Insurance ($/yr)

PMI Insurance ($/yr)

HOA Fee ($/yr)

Other Costs ($/yr)

Annual Tax & Cost Increase

Property Taxes Increase (%/yr)

Home Insurance Increase (%/yr)

HOA Fee Increase (%/yr)

Other Costs Increase (%/yr)

Extra Payments

Extra Monthly Pay ($)

Extra Yearly Pay ($)

Extra One-time Pay ($)

Date

Show Biweekly Payback Results

Monthly Pay

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Item	Monthly	Total

House Price—

Loan Amount—

Down Payment—

Total of 360 Payments—

Total Interest—

Mortgage Payoff Date—

Latest Average Mortgage Rates

30-Year Fixed6.55%

15-Year Fixed5.93%

5/1 ARM6.43%

National averages, Freddie Mac Primary Mortgage Market Survey, week of Jul 16, 2026. Rates change often — check current lender quotes.

Amortization Schedule