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Mortgage Calculator
Estimate your full monthly payment — principal, interest, taxes, insurance, and PMI.
📋 Loan details
20% of home price — no PMI
Optional — see how much interest you save by paying more each month
✓ Your estimate
Total monthly payment (PITI)
$2,523 /mo
Principal & interest$2,032
Property tax$299
Insurance$192
Loan amount$322,560
Total interest (no extra payments)$409,118
Monthly payment breakdown
Balance over time
In-content ad slot (1234567890)
Amortization schedule
Year-by-year breakdown of principal vs. interest, and your remaining balance.
| Year | Payment | Principal | Interest | Remaining balance |
|---|---|---|---|---|
| 1 | $24,389 | $3,626 | $20,763 | $318,934 |
| 2 | $24,389 | $3,868 | $20,522 | $315,067 |
| 3 | $24,389 | $4,125 | $20,264 | $310,941 |
| 4 | $24,389 | $4,400 | $19,989 | $306,541 |
| 5 | $24,389 | $4,694 | $19,696 | $301,847 |
28/36 affordability check
FMData: Freddie Mac PMMS · Verified June 18, 2026