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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)
$2,722 /mo
Principal & interest$2,226
Property tax$305
Insurance$192
Loan amount$328,560
Total interest (no extra payments)$472,721
Monthly payment breakdown
Balance over time
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Amortization schedule
Year-by-year breakdown of principal vs. interest, and your remaining balance.
| Year | Payment | Principal | Interest | Remaining balance |
|---|---|---|---|---|
| 1 | $26,709 | $3,223 | $23,486 | $325,337 |
| 2 | $26,709 | $3,463 | $23,247 | $321,874 |
| 3 | $26,709 | $3,720 | $22,990 | $318,154 |
| 4 | $26,709 | $3,996 | $22,714 | $314,159 |
| 5 | $26,709 | $4,292 | $22,417 | $309,866 |
28/36 affordability check
FMData: Freddie Mac PMMS · Verified November 5, 2026
Some figures on this page date from Q2 2026 — see the breakdown below
Source: Freddie Mac Primary Mortgage Market Survey (PMMS) · Census Bureau / FRED series MSPUS (median sales price of new houses sold, US). 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 7.18 — 5 November 2026
- mortgage15yr 6.57 — 5 November 2026
- medianHomePrice 410700 — Q2 2026