HomeMortgage Calculator

Mortgage Calculator

Estimate your monthly mortgage payment with taxes, insurance, and HOA fees. Adjust the sliders to explore different scenarios.

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Loan Details

Home Price
$400,000
$50,000$2,000,000
Down Payment (20.0%)
$80,000
$0$400,000
Loan Amount$320,000
Interest Rate
6.370%
2.000%12.000%
Pre-filled with today's live 30yr Fixed rate (Freddie Mac / FRED)

Loan Term

Monthly Extras

Property Tax
$300/mo
$0/mo$2,000/mo
Home Insurance
$100/mo
$0/mo$500/mo
HOA Fees
$0/mo
$0/mo$1,000/mo

Estimated Monthly Payment

$2,395/mo

Principal & Interest

$1,995

Property Tax

$300

Home Insurance

$100

HOA

$0

Payment Breakdown

Principal & Interest
$1,995/mo
Property Tax
$300/mo
Home Insurance
$100/mo

Loan Summary

Loan Amount$320,000
Down Payment$80,000 (20.0%)
Interest Rate6.370%
Loan Term30 years
Total of Payments$718,321
Total Interest Paid$398,321

This estimate is for informational purposes only. Actual rates and payments may vary.

If comparing ARM loan options: ARM loans are subject to 5/2/5 rate caps (initial / periodic / lifetime). After the fixed period, the rate adjusts annually based on the SOFR index plus a margin. The maximum lifetime rate increase is 5% above the initial rate. ARM payments shown above reflect the initial fixed-rate period only and will change at first adjustment.

Amortization Schedule

Principal vs. interest paid each year

1471013161922252830Year$0k$6k$12k$18k$24k
  • Principal
  • Interest

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Equal Housing Opportunity

Just Homes Inc. dba Turn Times (NMLS #2099552) is a licensed mortgage broker. 333 City Blvd W 17th FL, Orange, CA 92868. Licensed by the California Department of Financial Protection and Innovation under the California Financing Law, License #60DBO-181268. Equal Housing Opportunity. For licensing information, go to www.nmlsconsumeraccess.org.