COMPLETE HOME MORTGAGE CALCULATOR
Monthly Payment • Closing Costs • Cash to Close
Estimate your complete mortgage payment using percentage-based property taxes, mortgage insurance, down payment, closing costs, points and buyer credits, plus flat-dollar amounts where appropriate.
1. Home Purchase Information
2. Down Payment
3. Mortgage Loan Terms
4. Property Taxes
Property taxes are entered as an estimated annual percentage of the home value.
You may choose a common percentage or enter your own custom rate.
5. Homeowners Insurance
6. Mortgage Insurance / PMI / MIP
Mortgage insurance varies by loan program and borrower profile.
Use the presets below only as planning assumptions.
7. HOA & Other Monthly Property Costs
8. Discount Points & Origination
9. Other Lender Fees
10. Title, Attorney & Closing Costs
11. Estimated Additional Closing Costs
Use this field if you prefer to estimate miscellaneous closing costs
as a percentage of the purchase price.
12. Prepaid Items
13. Initial Escrow Reserves
14. Other Buyer Costs
15. Deposits Already Paid
16. Seller, Lender & Other Credits
COMPLETE MORTGAGE RESULTS
Monthly Payment • Financing • Cash to Close
Purchase Price
$0
Down Payment
$0
Financed Loan Amount
$0
Principal & Interest
$0
Property Taxes
$0
Homeowners Insurance
$0
Flood Insurance
$0
PMI / MIP
$0
HOA
$0
Other Monthly Housing Cost
$0
Total Closing Costs
$0
Prepaids
$0
Initial Escrows
$0
Total Credits
$0
Deposits Already Paid
$0
ESTIMATED CASH TO CLOSE
$0
Total Interest Over Loan Term
$0
Total Principal + Interest Paid
$0
Monthly Mortgage Payment Breakdown
| Payment Component | Rate / Basis | Monthly Amount |
|---|---|---|
| Principal & Interest | 0% | $0 |
| Property Taxes | 0% | $0 |
| Homeowners Insurance | 0% | $0 |
| Flood Insurance | Flat Annual Amount | $0 |
| Mortgage Insurance / PMI / MIP | 0% | $0 |
| HOA / Condo | Monthly Amount | $0 |
| Special Assessment / Other | Monthly Amount | $0 |
| Total Monthly Housing Payment | $0 |
Estimated Cash-to-Close Breakdown
| Closing Component | Amount |
|---|---|
| Down Payment | $0 |
| Discount Points | $0 |
| Origination Fee | $0 |
| Other Lender / Title / Closing Costs | $0 |
| Percentage-Based Miscellaneous Closing Costs | $0 |
| Prepaid Items | $0 |
| Initial Escrow Deposits | $0 |
| Other Buyer Expenses | $0 |
| Upfront Mortgage / Funding Fee Paid in Cash | $0 |
| Less Deposits Already Paid | $0 |
| Less Credits & Assistance | $0 |
| Estimated Cash Needed at Closing | $0 |
Important Mortgage Disclaimer:
This calculator provides planning estimates only. Percentages for taxes,
insurance, mortgage insurance, upfront fees, closing costs, points and
credits are assumptions selected by the user and are not guarantees.
Actual loan pricing and closing figures depend on the lender, loan program,
credit profile, property location, appraisal, loan-to-value ratio,
occupancy, property type, insurance premiums, tax assessment,
title charges and applicable underwriting requirements.
Final figures should be verified using the lender’s Loan Estimate and
Closing Disclosure and with the applicable closing attorney or title company.
