Mortgage Calculator (with State Taxes)

Estimate monthly mortgage payments with principal & interest, state property taxes, insurance, PMI, HOA, points, and extra payments.

Home price

Down payment

Interest rate (APR, %)

Loan term (years)

State (property tax) Auto-loads an estimated effective property tax rate for your state (editable below).

Property tax rate (annual, %)

Homeowners insurance (annual)

HOA dues (monthly)

Discount points (%) Optional. 1 point = 1% of loan amount; reduces rate (estimate only).

Extra principal (monthly)

Loan type

Conventional

FHA

Data & disclaimer

State property tax rates are estimates for typical effective annual rates. You can override the rate. Results are for educational purposes, not financial advice.

Your Monthly Payment

Monthly total$0

Principal & interest$0

Taxes & insurance$0

PMI / MIP$0

How this mortgage calculator works

We calculate principal and interest using the standard amortization formula. We add monthly escrows for property taxes and homeowners insurance. For conventional loans with a down payment below 20%, we estimate Private Mortgage Insurance (PMI) and remove it when your loan-to-value hits ~78% (estimate). FHA includes upfront and annual MIP; VA has a funding fee but no monthly PMI.