Mortgage Pro Estimator

Calculate comprehensive monthly payments including taxes, insurance, HOA, and automatic PMI detection.

Home Price

Down Payment (%)

Interest Rate (%)

Loan Term (Years)

Annual Property Tax (%)

Annual Home Insurance

Monthly HOA Fees

Est. Monthly Payment

$2,523

Loan Amount

$320,000

Monthly Breakdown

Principal & Interest

$2,023

Property Taxes

$400

Home Insurance

$100

How this is calculated

The same fixed-rate amortization formula for principal & interest, plus property tax, insurance, and PMI (charged until you reach 20% equity) for a full monthly housing cost.