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Mortgage Calculator

Estimate your monthly mortgage payment with taxes, insurance, PMI, and HOA.

Home Price

Down Payment

Down Payment %

20%

Interest Rate (APR)

6.50%

Loan Term

Property Tax / Year

Home Insurance / Year

PMI / Month

HOA Fees / Month

Total Monthly Payment $0

Loan Amount $0

Total Interest $0

Total Mortgage Cost $0

For a home price of $0, your estimated monthly payment is $0.

Monthly Payment Breakdown

Principal & Interest$0

Property Tax$0

Insurance$0

PMI$0

HOA$0

Amortization Schedule

Show

Month	Payment	Principal	Interest	Balance
Calculate to view schedule

This calculator provides estimated values for educational purposes and should not be considered financial advice.

Mortgage Calculator Report

Generated summary for your estimated home financing scenario.

Home Price${fmtMoney(d.homePrice)}

Down Payment${fmtMoney(d.downPayment)}

Loan Amount${fmtMoney(d.loanAmount)}

APR${d.annualRate.toFixed(2)}%

Total Monthly Payment${fmtMoney(d.totalMonthly)}

Total Interest${fmtMoney(d.totalInterest)}

Monthly Breakdown

Principal & Interest	${fmtMoney(d.principalInterest)}
Property Tax	${fmtMoney(d.taxMonth)}
Home Insurance	${fmtMoney(d.insuranceMonth)}
PMI	${fmtMoney(d.pmiMonth)}
HOA	${fmtMoney(d.hoaMonth)}
Total Monthly Payment	${fmtMoney(d.totalMonthly)}

First 24 Months Amortization

${d.schedule.slice(0,24).map(row => ` `).join('')}

Month	Payment	Principal	Interest	Balance
${row.month}	${fmtMoney(row.payment)}	${fmtMoney(row.principal)}	${fmtMoney(row.interest)}	${fmtMoney(row.balance)}

`; const win = window.open('', '_blank'); if (!win) return; win.document.open(); win.document.write(reportHtml); win.document.close(); win.focus(); setTimeout(() => win.print(), 500); } function shareSummary() { if (!latestData) return; const d = latestData; const text = `Mortgage Calculator Summary Home Price: ${fmtMoney(d.homePrice)} Down Payment: ${fmtMoney(d.downPayment)} Loan Amount: ${fmtMoney(d.loanAmount)} APR: ${d.annualRate.toFixed(2)}% Loan Term: ${d.years} years Monthly Payment: ${fmtMoney(d.totalMonthly)} Principal & Interest: ${fmtMoney(d.principalInterest)} Property Tax: ${fmtMoney(d.taxMonth)} Insurance: ${fmtMoney(d.insuranceMonth)} PMI: ${fmtMoney(d.pmiMonth)} HOA: ${fmtMoney(d.hoaMonth)} Total Interest: ${fmtMoney(d.totalInterest)}`; if (navigator.share) { navigator.share({ title: 'Mortgage Calculator Summary', text: text }).catch(function(){}); } else { const wa = 'https://wa.me/?text=' + encodeURIComponent(text); window.open(wa, '_blank'); } } els.downPercent.addEventListener('input', function() { updateDownFromPercent(); calculateAndRender(); }); els.homePrice.addEventListener('input', function() { updateDownFromPercent(); calculateAndRender(); }); els.downPayment.addEventListener('input', function() { updatePercentFromDown(); calculateAndRender(); }); els.rate.addEventListener('input', function() { updateRateLabel(); calculateAndRender(); }); [els.term, els.propertyTax, els.insurance, els.pmi, els.hoa].forEach(el => { el.addEventListener('input', calculateAndRender); el.addEventListener('change', calculateAndRender); }); els.tableLimit.addEventListener('change', function() { if (latestData) renderTable(latestData.schedule, num(els.tableLimit.value)); }); els.calcBtn.addEventListener('click', calculateAndRender); els.resetBtn.addEventListener('click', resetAll); els.downloadBtn.addEventListener('click', downloadReport); els.shareBtn.addEventListener('click', shareSummary); updateDownFromPercent(); updateRateLabel(); calculateAndRender(); })();