Mortgage

Mortgage Payment Calculator

Estimate a monthly mortgage payment including principal, interest, taxes, insurance, and HOA.

Home price

Down payment

Interest rate

Loan term

yrs

Annual property taxes

Annual insurance

Monthly HOA

Estimated monthly payment

$3,235

Includes principal, interest, property tax, insurance, and HOA if entered.

Principal and interest

$2,335

$360,000 estimated loan amount.

Eerns calculators are for educational estimates only and are not financial, tax, legal, or investment advice. Results depend on the information entered and may not reflect a full situation.

How to use it

Use this calculator to estimate the monthly cost of a home purchase based on price, down payment, interest rate, term, taxes, insurance, and HOA.

Calculation method

Principal and interest are calculated with a fixed-rate amortization formula. Taxes, insurance, and HOA are added as monthly costs.

Important limitation

This estimate does not include PMI, closing costs, special assessments, rate changes, or lender-specific fees.

Example scenario

A $450,000 home with a $90,000 down payment, 6.75% rate, and 30-year term will show principal and interest plus estimated monthly escrow-style costs.

Embed version

Choose an embed theme.

Each embed URL can include a brightness, top-bar color, and main-area color. This makes it easier to match the tool to another website.

Embed theme

Default professional blue header with a white calculator area.

https://eerns.com/embed/mortgage-calculator/bright/blue/whiteOpen selected embed

Common questions

Frequently asked questions

What is included in this mortgage estimate?

The estimate includes principal, interest, property taxes, insurance, and HOA if entered. It does not include PMI, closing costs, utilities, or maintenance.

Why enter annual taxes and insurance?

Property taxes and insurance are often part of monthly housing cost planning. Entering annual amounts lets the calculator convert them into monthly estimates.

Is this a lender quote?

No. This is a planning estimate only. A lender quote may include different rates, fees, escrow details, mortgage insurance, or other costs.

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