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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)
$2,564 /mo
Principal & interest$2,073
Property tax$299
Insurance$192
Loan amount$322,560
Total interest (no extra payments)$423,669
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 | $24,874 | $3,497 | $21,377 | $319,063 |
| 2 | $24,874 | $3,737 | $21,137 | $315,325 |
| 3 | $24,874 | $3,994 | $20,880 | $311,331 |
| 4 | $24,874 | $4,268 | $20,606 | $307,063 |
| 5 | $24,874 | $4,561 | $20,313 | $302,501 |
28/36 affordability check
FMData: Freddie Mac PMMS · Verified July 30, 2026
Rate data last updated Q1 2026 — verify before relying on it
Source: Freddie Mac Primary Mortgage Market Survey (PMMS) · FRED/Census Bureau. Market rates move continuously. Figures on this page may be behind the current market — confirm the current rate with the source or your provider before making a decision.
- mortgage30yr 6.66 — 27 August 2026
- mortgage15yr 5.98 — 27 August 2026
- medianHomePrice 403200 — Q1 2026