Mortgage Calculator

Use our home loan calculator to estimate your total mortgage payment, including taxes and insurance. Simply enter the price of the home, your down payment, and details about the home loan, to calculate your mortgage payment, schedule, and more.
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Your mortgage payments over 30 years will add up to $0.

Mortgage Help

Down Payment

The typical rule of thumb is to pay 20 percent of the home's price as your down payment, although some mortgage loans require as little as 3.5 percent down. Your down payment reduces the total amount of your mortgage loan, so the more money you put down, the lower your payments will be - or the more expensive a house you can buy.

Loan Term

Your loan program can affect your interest rate and monthly payments. Choose from 30-year fixed, 15-year fixed, and more in the calculator.

Loan Type

There are several types of mortgage loans, but the most commonly used are fixed-rate and adjustable-rate loans. Fixed-rate loans have the same interest rate for the entire duration of the loan. That means your monthly payment will be the same, even for long-term loans, such as 30-year fixed-rate mortgages. Two benefits to this loan type are stability, and being able to calculate your total interest up front. Adjustable-rate mortgages (ARMs) have interest rates that can change over time. Typically they start out at a lower interest rate than a fixed-rate loan, and hold that rate for a set number of years, before changing interest rates from year to year. For example, if you have a 5/1 ARM, you will have the same interest rate for the first 5 years, and then your interest rate will change from year to year. The main benefit of an adjustable-rate loan is starting off with a lower interest rate.

Interest Rate

This field is pre-filled with the current average mortgage rate. Your actual rate will vary based on factors like credit score and down payment.

Property Tax Rate

The mortgage payment calculator includes estimated property taxes based on the home's value. You can edit this in the advanced options.

Home Insurance

Home insurance or homeowners insurance is typically required by lenders, depending on the loan program. You can edit this number in the mortgage calculator advanced options.

HOA Fees

A homeowners association fee (HOA fee) is an amount of money that must be paid monthly by owners of certain types of residential properties, and HOAs collect these fees to assist with maintaining and improving properties in the association.

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xter2001

Celia has been outstanding throughout the years. She is the yardstick against which other should be measured.In-depth knowledge, assertiveness and a knack for the market makes her an invaluable assettShe has assisted me to buy and to sell with an ethic above reproachI will assistance for no a real estate professional other than her

asmorgan14

Celia has been a tremendous asset as our go-to real estate agent. When we are looking to buy, she finds properties that fit our needs at reasonable prices. If we need repairs, she knows contractors who will show up, perform quality work, and charge reasonable prices. When it's time to sell, she gives solid pricing advice, communicates feedback from potential buyers, nails down clear and actionable contracts, coordinates all the inspections, assertively negotiates repairs with buyer's agents, and reviews the settlement statement to make sure it matches the contract. Basically, Celia is a consummate professional who understands both sides of real estate transactions extremely well. Hire her! She is a strong advocate for you whether you are buying or selling.

shealiekizer41192

Celia was so much more than just a fantastic realtor... she was someone who we really could go to with our questions and know that her answers were backed with years of experience and knowledge. She made our home buying process comfortable going above and beyond for us many times. She helped me understand every step of the way while also being a wonderful voice of positivity. She is a true asset to the home buying world and everyone should consider having her lead the way on their home buying journey.

Your new home journey starts here. Let's chat!

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Celia Means

Team Leader | License ID: 38618

+1(803) 237-7174 | agent@celiameans.com

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