Estimate all-in monthly housing cost, upfront cash, lifetime interest, PMI, maintenance, and a housing-plus-debt ratio.
Change the inputs that matter to your decision. Optional assumptions stay collapsed until you need them.
Lead with the all-in monthly housing cost, not principal and interest alone.
Include the recurring costs that make a quoted mortgage payment incomplete.
$2,149 is principal and interest; the rest is modeled tax, insurance, PMI, HOA, and maintenance.
30.6% of gross monthly income under these assumptions. Lender methods and limits vary.
| Principal & Interest | $2,14979.2% of payment |
|---|---|
| Property Tax | $39014.4% of payment |
| Home Insurance | $1756.4% of payment |
| Maintenance reserve | $354Not paid to the lender |
This calculator provides estimates for mortgage payments and associated costs. Actual rates and fees may vary by credit profile, lender, and location.
Practical notes about the inputs, assumptions, and result.
The headline includes modeled taxes, insurance, PMI, HOA, and a maintenance reserve so the ownership budget is not anchored to the lender payment alone.
Other tools in real estate & rent.
Check target rent against gross income, utilities, required housing costs, debt, and the monthly cash left over.
Estimate annual and periodic property tax from a local effective rate or a directional state reference, assessment ratio, and exemptions.
Connect acquisition cash, vacancy, operating costs, financing, and rent to pre-tax monthly cash flow and cash-on-cash return.