Mortgage Payment Calculator
Planning a purchase or refinance? Use this free tool to estimate your monthly principal and interest, then layer in property taxes, homeowners insurance, and HOA so you can budget with more confidence. Adjust the numbers anytime — no signup required.
Mortgage Payment Calculator
≈ $520.83/mo
≈ $208.33/mo
Estimated Payment
Enter your numbers, then click Calculate to see your estimate.
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- Principal & Interest
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- Property Tax
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- Homeowners Insurance
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- HOA
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This is an estimate only — not a loan offer or commitment. Actual payments may vary based on credit, fees, taxes, insurance, and lender terms.
Want real numbers tailored to you? Text us → (626) 348-6426
Frequently Asked Questions
What is included in a monthly mortgage payment?
A typical payment includes principal and interest, plus property taxes and homeowners insurance when escrowed. Some loans also include HOA dues or mortgage insurance. Our calculator lets you factor in taxes, insurance, and HOA so your estimate is closer to what you may actually pay.
How accurate is this mortgage payment calculator?
It uses the standard amortization formula for principal and interest, plus the tax, insurance, and HOA amounts you enter. Actual quotes can differ based on credit, loan program, lender fees, and exact tax or insurance rates for the property.
Does a larger down payment lower my monthly payment?
Yes. Putting more money down reduces the loan amount, which usually lowers principal and interest. It can also improve your loan-to-value ratio and may help you avoid private mortgage insurance on a conventional loan.
Should I use the interest rate I see advertised online?
Advertised rates are a starting point and often assume strong credit and specific loan terms. For a personalized rate and payment, text Village Mortgage and we can run options across our lender network for your situation.