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Buying

Monthly payment

What would the whole payment be — not just principal and interest?

Illustrative example only — not a rate quote, not an APR offer, and not a commitment to lend.

Your inputs

The percentage, not the dollar amount — the dollars are shown in the answer.

Of the price, per year. Colorado runs low; Texas and Illinois run high.

Charged only while the loan is above 80% of the value.

Every month, all in

$3,594

On a $462,000 loan at 6.50% over 30 years. An illustration produced by the inputs on this page — not a quote, not an APR, not a commitment to lend.

$2,920Principal & interestThe only part a rate quote describes.
$391Escrow, monthlyTax and insurance, collected with the payment.
88.0%Loan to valueMortgage insurance ends around payment 97.
$589,256Interest over the termPaid off in 30 yr.

What the payment is made of

Widths are to scale. Every figure is repeated in the list below in words and numbers, so nothing here depends on telling colors apart.

Principal & interest$2,920
Property tax$241
Insurance$150
Mortgage insurance$239
HOA$45
Total$3,594

Balance and equity over the term

The solid line is what you still owe; the dashed line is how much of the loan you have repaid. They cross where you have paid off half the balance — usually much later than halfway through the term.

Balance remaining (solid) Principal repaid (dashed)

Where each year's payments go

Interest is hatched, principal is solid. The early years are almost all interest; the crossover is the most useful thing this chart tells you.

Interest (hatched) Principal (solid)

Every payment

A running total sits in the last column. Figures are illustrative and assume the rate never changes and every payment lands on time.

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What this page assumes

  • The rate never changes, every payment lands on time, and nothing is refinanced.
  • Property tax is a flat percentage of the purchase price and is never reassessed. Real assessments move.
  • Insurance and HOA dues are held flat for the whole term. In practice both rise.
  • Mortgage insurance is charged while the loan is above 80% of the original price and stops at 78% — roughly how conventional PMI cancellation works. FHA and VA are different and have their own pages.
  • No closing costs, points, escrow shortfall, prepayment penalty or late fee is modeled.
  • Every figure is an illustration produced by your inputs. This site is a demonstration and cannot lend.

Take this result with you

The address bar already holds every input on this page. Copy it and the result reopens exactly as you left it.

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Email it to yourself

Demonstration only. This form checks the address and shows you the confirmation a real one would show. It sends nothing, stores nothing and transmits nothing — there is no server behind this site. Use the mail-app button if you actually want the link.

Open mail app

Talk it through

Send the numbers to a person

On a live site this is where the arithmetic on the monthly payment calculator turns into a conversation. A loan officer would get what you enter here, along with the inputs already in the link.

This form is a demonstration and does not send anything. There is no server, no database and no third-party form service behind this page. Nothing you type is stored, transmitted or logged, and nobody will call you. If you want to see how the real thing would behave, fill it in — it validates properly and shows the confirmation.

A real enquiry would go to (720) 555-0139 or[email protected] — both invented for this demonstration.