Mortgage calculator
Work out the payment
Principal and interest, taxes and insurance, the full amortization schedule, and what an extra payment each month really does. Nothing is collected and nothing leaves your browser.
Your numbers
Estimated monthly payment
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principal & interest, taxes and insurance
An illustration built from figures you entered. Not a quote, an offer of credit, or an approval, and not a commitment to lend. Subject to credit approval and underwriting. Excludes mortgage insurance, HOA dues, and any escrow shortage — all of which move the real number.
With the extra payment
Add an amount above to see the effect.
Amortization
Year by year, where the money actually goes. In the early years most of it is interest — that is the part people find surprising.
| Year | Interest paid | Principal paid | Balance remaining |
|---|
Estimates only. Subject to credit approval and underwriting.
Want this run against a real file?
The calculator models a rate you picked. A licensed loan officer can tell you what is actually available to you — that takes an application, and it starts with a conversation.
Not a commitment to lend. Subject to credit approval and underwriting.