Home & Loan Details
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Additional Costs
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20% Down = No PMI
Putting 20% down eliminates monthly PMI and reduces your total payment.
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Rate Matters Most
A 1% lower rate on $400k saves ~$240/month and $86k over 30 years.
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Extra Payments
An extra $200/month on a 30-year can cut 5+ years off your loan.
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PITI Breakdown
Your real payment includes Principal, Interest, Tax, and Insurance.
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Ready to calculate
Enter your home details on the left and click Calculate to see your full monthly payment breakdown, total interest, payoff date, and amortization schedule.
Your Results
Principal & Interest
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Base payment / month
Total Monthly Payment
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PITI + PMI + HOA
Loan Amount
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After down payment
Total Interest
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Over full term
Total Cost
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All payments combined
Interest Saved
$0
With extra payments
Time Saved
0 mo
Paid off earlier
Down Payment
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Cash at closing
Payoff Date
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LTV Ratio
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PMI Removed
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Monthly Breakdown
View Full Amortization Schedule (Yearly)
Disclaimer: This calculator provides estimates for educational purposes only. Results are based on inputs and standard amortization formulas. Actual mortgage terms, rates, and payments vary by lender, credit profile, and market conditions. Not financial advice. Consult a licensed mortgage professional before making any decisions.
15 vs 30 Year Mortgage Comparison
Based on your current home price, down payment, and interest rate.
P&I only — excludes taxes, insurance, PMI, and HOA.