Mortgage Calculator with Taxes, Insurance & PMI

How to use

1. Enter price, down payment (use % or $), rate and term.
2. Set property tax %, insurance, HOA — the defaults are typical, your county may differ.
3. Add extra monthly or one-time payments to stress-test early payoff.
4. Read the dashboard, then open or print the full amortization schedule (PMI drop month is on it).

General information only — not medical, financial or legal advice. Figures cross-checked against public official sources (IRS / HMRC / NHS / WHO guidance) as of 2026-08. For decisions that matter, confirm with a licensed professional in your country.

About this tool

Most mortgage calculators stop at principal and interest and quietly lowball your payment. This one builds the full PITI + PMI + HOA picture: standard amortization math for the loan, editable property-tax and insurance lines (defaults are typical US figures — edit to your county), HOA if you have one, and PMI modeled honestly — charged yearly as a % of the loan while you owe more than 80% of the home's value, then dropping automatically, with the exact drop month printed on the schedule. The second power tool is the extra-payment engine: add $100–$500/month or a one-time lump sum and the full amortization loop recomputes your payoff date and total interest saved. A note appears if the loan exceeds the 2026 conforming limit of $832,750 (1-unit), since jumbo loans price differently. Everything computes in your browser — no lender sees your numbers, nothing is a quote, and no lead-gen form sells your details anywhere on this page.

FAQ

Rate this tool

Your rating stays in this browser (local storage) — nothing is sent to any server.