The mortgage payment. See your monthly number.
Enter a home price, your down payment, an interest rate and a term. We show your estimated monthly payment, with taxes, insurance and other costs if you add them.
Free. No sign-up. Nothing you enter is sent or saved.
ESTIMATED MONTHLY PAYMENT
$0
Principal and interest
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Property taxes
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Homeowners insurance
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HOA or condo dues
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Mortgage insurance
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The price of the home you are thinking about.
Enter an amount, or tap a percentage of the price.
Enter the rate from your own quote or loan estimate. We do not show or suggest a rate.
Loan term, in years
Other monthly costs (optional)
Example only. Not a rate we offer or a quote.
Enter your loan on the Payment tab first. Then come back here to see how extra payments change your payoff.
Loan snapshot
Add extra each month
See how paying more toward principal changes your payoff date.
See the monthly payment needed to be done sooner.
Estimates based on your numbers. They assume extra payments go to principal and that your lender allows them without a fee.
THE FULL PICTURE
Casa Clara
Our free Miami home-cost app. Taxes, insurance, HOA dues and mortgage insurance depend on the home, so Casa Clara starts from either number.
I know my purchase price (opens in a new tab)I know my monthly budget (opens in a new tab)Want a real number?
Your actual payment depends on your loan program, credit, the property and the lender. Tell us about your purchase and we will check what is available.
What is in a mortgage payment.
01
Principal and interest.
Principal pays down what you borrowed. Interest is the cost of borrowing it. On a fixed-rate loan, this part stays the same every month.
02
Taxes and insurance.
Property taxes and homeowners insurance are often collected with your payment and paid for you from an escrow account. They can change from year to year.
03
HOA and mortgage insurance.
Condo and HOA dues are paid to the association. Mortgage insurance may apply, depending on the loan program and your down payment.
Realtors: Share this page with buyers who want a quick number before they tour. For a real number, send them to us and we will check what is available.
Common questions.
What does this estimate include?
Principal and interest on a fixed-rate loan, plus any taxes, insurance, HOA dues and mortgage insurance you choose to add. Nothing else is included.
Why will my real payment be different?
The interest rate, mortgage insurance, property taxes and insurance depend on your loan program, credit, the property and the lender, and they change. This tool only uses the figures you enter.
How much do I need for a down payment?
It depends on the loan program, the property and the lender. Some programs allow less than 20% down. Ask us what may apply to your purchase.
Does this show today’s mortgage rates?
No. You enter the rate. Rates change often and depend on the borrower and the loan, so use the rate from your own quote or loan estimate.