Calculators
Mortgage payment calculator
Estimate your full monthly payment: principal and interest, property taxes, homeowners insurance, HOA dues and mortgage insurance.
Estimated monthly payment
Enter a home price, down payment and interest rate to see your estimate.
—
per month, estimated
- Principal & interest—
- Property tax—
- Homeowners insurance—
- HOA dues—
- Mortgage insurance—
- Loan amount—
This calculator provides estimates for illustration only. It is not an offer, a commitment to lend, or a loan disclosure. Contact a LoanZilla loan officer for figures based on your situation.
What goes into a mortgage payment
Your monthly payment usually has up to five parts. Principal and interest repay the loan itself and stay the same on a fixed-rate loan. Property taxes and homeowners insurance are often collected monthly through an escrow account and can change from year to year. HOA dues apply in many condo, townhome and planned communities. Mortgage insurance may apply on conventional loans with less than 20% equity, and on FHA loans.
Lenders look at this full payment — not just principal and interest — when deciding how much you can borrow. See how much house you can afford, or talk to a loan officer for figures based on your situation.