Mortgage Calculator
Estimate principal and interest, property tax, home insurance, PMI, and HOA from numbers you enter. This is a learning tool, not a rate quote.
Estimated monthly payment
$1,685.20
- PMI
- $208.33
- Monthly tax paid
- $200.00
- Monthly home insurance
- $83.33
- PMI end date
- November 2028
- Total PMI payments
- 26
- Monthly payment after November 2028
- $1,476.87
Loan breakdown
- Down payment (8.6%)
- HOA & Insurance (5.16%)
- Tax (12.38%)
- Principal (42.98%)
- Interest (30.89%)
Mortgage details
Loan amount
$250,000.00
Down payment
$50,000.00(16.67%)
Total interest paid
$179,673.77
Total PMI to November 2028
$5,416.67
Total tax paid
$72,000.00
Total home insurance
$30,000.00
Total of 360 payments
$537,090.43
Loan payoff date
August 2056
Monthly vs bi-weekly payment
$1,476.87
Monthly payment
$738.44
Bi-weekly payment
August 2056
Monthly payoff date
July 2052
Bi-weekly payoff date
$179,673.77
Total interest paid
$151,482.12
Total interest paid
Total interest savings: $28,191.64
This calculator is an estimate only. Actual rates, taxes, insurance, and PMI are set by lenders and local authorities. It is not a loan offer or approval.
Read how closing costs and refinancing change the numbers around a payment.
MortgageDirectory.com explains how home loans work. It is not a lender, broker, or quote service, and nothing here is personal financial, tax, or lending advice. Rates, fees, and approvals come from lenders and depend on your situation.