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Payment calculator

Know the payment before you fall in love with the house.

Model the full monthly picture — principal, interest, taxes, insurance, HOA dues, and PMI — so your search stays grounded in a payment that works.

These calculators are for education and planning only. They are not a loan estimate, approval, commitment to lend, rate quote, or offer to enter into an agreement. Final qualification, pricing, taxes, insurance, HOA dues, PMI, credits, and cash-to-close depend on the full application, property, credit, program, and underwriting review.

Estimated monthly payment

$4,079

Principal, interest, taxes, insurance, HOA, and PMI.

Loan amount

$495,000

10.0% down

Principal & interest

$3,211

Taxes

$458

Monthly estimate

Insurance

$183

Monthly estimate

PMI

$227

Monthly estimate

HOA

$0

Monthly dues

Want the real answer?

Have Tara's team pressure-test your payment.

Send the numbers before you write an offer, renew a lease, or refinance. We'll help you turn calculator math into a mortgage strategy.