Free tool

Mortgage Calculator

Principal, interest, taxes, insurance and mortgage insurance for conventional, FHA, VA and USDA loans, plus the income benchmarks lenders look at.

Home & loan

Purchase priceUSD

Down payment20.0%

Interest rateAPR %

Term

Mortgage insurance

Not required

Credit score760-850

Approximate your credit score range to estimate monthly PMI.

Tax & insurance

Property tax / yr2%

Insurance / yr0.5%

When price changes: Keep the % rates Keep the $ amounts

Payment

$0/ month

Loan

Estimates only, not a loan offer. PMI rates are approximate industry averages by credit band, loan-to-value and term. FHA MIP schedule effective January 1, 2026. VA funding fee schedule effective April 7, 2023. USDA: 1% upfront guarantee fee and 0.35% annual fee on 30-year terms. Talk to a licensed loan officer for a quote.

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