Mortgage calculator
Estimate principal and interest, taxes, insurance, HOA dues, and optional PMI — then see how the loan balance falls year by year. For buyers running the numbers on a FSBO home.
Your loan
Estimated at 0.5%/year of the loan while it applies. Real PMI quotes vary.
Estimated monthly payment
$—
| Principal & interest | $— |
| Property tax | $— |
| Home insurance | $— |
| HOA dues | $— |
| PMI | $— |
Estimate only. This calculator does arithmetic — it isn't a loan offer, approval, or advice. Taxes, insurance, and PMI vary by property and lender. Talk to a lender for real numbers.
Amortization — balance by year
| Year | Principal paid | Interest paid | Remaining balance |
|---|---|---|---|
| Enter your loan details above. | |||
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Research current rates: Mortgage Research Center — check your 2026 home loan rate. Affiliate link: AmericanFSBO may earn a commission if you request rates through it, at no extra cost to you.