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Your monthly mortgage payment is the loan’s principal and interest plus property taxes, homeowners insurance, and any HOA dues or PMI. Enter your home price, down payment, rate, and term below to see the full breakdown — and exactly where every dollar goes.

Mortgage Payment Calculator

Estimate your monthly payment and see exactly where every dollar goes — principal, interest, taxes, insurance, and more. Adjust any number and watch it update.

iThe purchase price of the home. Your loan amount is this minus your down payment.
$
Enter a home price greater than $0.
iCash you pay up front. Less than 20% down typically adds monthly PMI until you reach 20% equity.
$
Down payment can’t exceed the home price.
20% down · $400,000 loan
iThe note rate on your loan. This is an estimate — your actual rate depends on credit, loan type, and market conditions.
6.50%
2.5%10%
iHow many years you’ll repay the loan. Shorter terms mean higher monthly payments but far less total interest.
iAnnual property tax, often collected monthly through escrow. A common estimate is 0.5%–2% of home value per year.
$ /yr
iAnnual homeowner’s insurance premium, usually collected monthly through escrow.
$ /yr
iMonthly homeowners association dues, if your property has them. Enter 0 if none.
$ /mo
iPrivate mortgage insurance, charged as an annual % of the loan when you put less than 20% down. Typically 0.3%–1.5%. Drops off once you reach 20% equity.
%/yr
Applies when down payment is under 20%.

Estimated total monthly payment

$0
Principal & interest: $0
Principal & interest $0
Property tax $0
Home insurance $0
HOA fees $0
PMI $0
Loan amount $0
Eureka Mortgage Planning LLC – NMLS #2456819. Equal Housing Lender. This is not a commitment to lend. All loans are subject to underwriting and approval. Terms, rates, and programs are subject to change without notice. Not all loan products are available in all states.
Figures shown are estimates for general information only and do not constitute a Loan Estimate, APR, or an offer or guarantee of any rate or term. PMI, tax, and insurance amounts are approximations. Contact us for a personalized quote.

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eurekamortgage.net · 503-420-5434 · info@eurekamortgage.net · No consultation fees, ever

Eureka Mortgage Planning LLC – NMLS #2456819. Equal Housing Lender. Licensed by the Oregon Division of Financial Regulation, Idaho Department of Finance, California Department of Financial Protection and Innovation (CFL), Washington State Department of Financial Institutions, Arizona Department of Insurance and Financial Institutions, Texas Department of Savings and Mortgage Lending, New Mexico Mortgage Finance Authority, Nevada Division of Mortgage Lending, Florida Office of Financial Regulation, and Tennessee Department of Financial Institutions. This is not a commitment to lend. All loans are subject to underwriting and approval. Terms, rates, and programs are subject to change without notice. Not all loan products are available in all states. For licensing information, go to http://www.nmlsconsumeraccess.org.

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