run the numbers
Mortgage calculator
See the whole monthly payment, including PMI, taxes, insurance and HOA dues, and where your money goes over the life of the loan.
TRY YOUR NUMBERS
What would the monthly payment be?
Loan amount: —
Lenders usually require it with less than 20% down. Freddie Mac says it often runs $30 to $70 a month per $100,000 borrowed.
With 20% or more down, there’s no PMI.
Freddie Mac’s national average this week: 7.24% for 30 years, 6.6% for 15.
Taxes and insurance start as examples. Swap in the tax bill from the listing and your own insurance quote.
Estimated monthly payment
—
Principal and interest—
PMI—
Property taxes—
Home insurance—
HOA dues—
PMI ends after—
Months of PMI—
Payment once PMI ends—
Where the money goes
Over the whole loan, counting your down payment
Yearly amortization schedule
How each year’s payments split between interest and paying down the loan
| Year | Interest | Principal | Balance |
|---|
Loan details
Loan amount—
Down payment—
Total interest—
Total PMI—
Total property taxes—
Total home insurance—
Total HOA dues—
Total of all payments—
Paid off—
Monthly vs. every two weeks
Paying half your principal and interest every two weeks adds up to one extra payment a year.
Monthly
—
Paid off —
Total interest —
Every two weeks
—
Paid off —
Total interest —
An estimate, not a loan offer. PMI here follows the usual rule for conventional loans: it drops off automatically once the loan is scheduled to reach 78% of the home’s original value, and you can ask your lender to remove it at 80%. FHA and VA loans work differently. Check with your lender before setting up payments every two weeks. Starting rates are Freddie Mac’s national averages for the week of October 29, 2026. Compare today’s rates
Want real numbers for a real house?
Text me a listing you’re looking at. I’ll help you find the actual tax bill and the other costs worth budgeting for.