Mortgage Calculator
Estimate payments, compare loan types, and apply current market rates
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Extra Payments
Loan Details
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Monthly Costs
PMI (Private Mortgage Insurance)
Required when down payment is <20%
Property Tax
Estimated annual property tax
Homeowner's Insurance
Annual home insurance premium
HOA Fees
Monthly homeowner association dues
Current Mortgage Rates
AI-sourced market estimates · Updated on load
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⚠️ Rates shown are AI-estimated averages for informational purposes only and may not reflect exact lender offers. Always contact lenders directly for official rate quotes. Your actual rate depends on credit score, LTV, property type, and lender policies.
Side-by-Side Comparison
Compare 15 vs 20 vs 30-year loans at current settings
| Metric | 15-Year | 20-Year | 30-Year |
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Loan Term Breakdown
Extra Payment Analysis
See how additional payments reduce your total cost and payoff time
Additional Monthly Payment
$
$
$
Monthly Payment
$—
Principal + Interest + Extras
Loan Amount
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Interest Rate
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Total Interest
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Total Cost
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Principal
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Interest
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Tax + Ins + PMI
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Amortization Schedule
| Year | Principal | Interest | Balance |
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