Mortgage Calculator
Estimate your true monthly cost including local property taxes, homeowners insurance, PMI or FHA MIP, and HOA.
Local tax & insurance data2025 FHA & conforming limitsFree — no signup required
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View all cities & states →Extra Monthly Payment
$
Estimated Monthly Payment
$2,896
Estimates are for educational purposes only and are not a loan offer or commitment to lend.
FHA Eligible
Loan Amount: $360,000
LTV: 0.01%
P&I Payment
$2,383
Total Interest
$497,884
over loan life
Payoff
30 yr
Closing Costs
$6,105–$11,396
est. range
Monthly Payment Breakdown
2025 Loan Limit Context
FHA Limit
$524,225
Conforming Limit
$806,500
Amortization Schedule
| Mo. | Payment | Principal | Interest | Balance | Total Interest |
|---|---|---|---|---|---|
| 1 | $2,383 | $298 | $2,085 | $359,702 | $2,085 |
| 2 | $2,383 | $300 | $2,083 | $359,402 | $4,168 |
| 3 | $2,383 | $301 | $2,082 | $359,101 | $6,250 |
| 4 | $2,383 | $303 | $2,080 | $358,798 | $8,330 |
| 5 | $2,383 | $305 | $2,078 | $358,493 | $10,408 |
| 6 | $2,383 | $307 | $2,076 | $358,186 | $12,484 |
| 7 | $2,383 | $309 | $2,074 | $357,877 | $14,558 |
| 8 | $2,383 | $310 | $2,073 | $357,567 | $16,631 |
| 9 | $2,383 | $312 | $2,071 | $357,255 | $18,702 |
| 10 | $2,383 | $314 | $2,069 | $356,941 | $20,771 |
| 11 | $2,383 | $316 | $2,067 | $356,625 | $22,838 |
| 12 | $2,383 | $318 | $2,065 | $356,308 | $24,904 |
Months 1–12 of 360
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Frequently Asked Questions
What does this mortgage calculator include?
This calculator estimates your total monthly housing payment including principal & interest, property taxes, homeowners insurance, PMI (if applicable), FHA MIP, and HOA fees. It also shows amortization, loan classification, and closing cost ranges.
What is PMI and when do I need it?
Private mortgage insurance (PMI) is required on conventional loans when your down payment is less than 20% of the home price. PMI protects the lender if you default. Estimates vary by lender and credit score.
What is FHA MIP?
FHA Mortgage Insurance Premium (MIP) is required on all FHA loans. It includes an upfront fee of 1.75% of the loan amount and an annual premium ranging from 0.50% to 0.75%, depending on loan amount and LTV. Rates are based on HUD guidance effective March 20, 2023.
What is the 2025 conforming loan limit?
The 2025 baseline conforming loan limit is $806,500 for a single-family home. High-cost counties (like Los Angeles, King County, and Denver) have higher limits up to $1,209,750.
Are the interest rates shown current?
No — sample rates shown are illustrative only and do not represent current market conditions. Always check with your lender for current rates.
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