Free Financial Calculator
Free Mortgage Calculator with PMI, Taxes & Insurance
Calculate your exact monthly mortgage payment in seconds with our comprehensive mortgage calculator. Our advanced tool factors in all costs including principal, interest, property taxes, homeowners insurance, PMI (private mortgage insurance), and HOA fees to give you the complete picture of homeownership costs. Perfect for first-time buyers, refinancing decisions, or investment property analysis. Updated for 2025 interest rates and tax regulations.
Calculate Your Numbers
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20% down payment avoids PMI
%
Your Results
Monthly Payment
$2,539
Principal & Interest
$2,023
Property Tax
$417
Home Insurance
$100
PMI
$0
HOA Fees
$0
Loan Amount
$320,000
Down Payment
20.00%
Total of Payments
$914,142
Total Interest Paid
$408,142
Frequently Asked Questions
Get answers to common questions about mortgage calculator
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