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

Fill in the fields below to get instant results

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

Start increasing your credit score.

The fastest way to improve your credit score and capacity.

Get started for Free