See your monthly payment broken down by principal, interest, taxes, and insurance — with real rates for your state.
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Use the free Mortgage Loan Comparison Worksheet to track APR, closing costs, PMI, and total cost across up to 3 lenders — so you pick the loan that actually costs less, not just the one with the lowest monthly payment.
Google Sheets + Excel download · free
How it works
Enter your home price, down payment, interest rate, loan term, and state. The calculator computes your principal and interest payment using the standard amortization formula, then adds estimated property taxes (based on your state's average rate), homeowners insurance (~0.5% annually), and PMI if your down payment is less than 20%.
The result is your estimated total monthly housing payment — what lenders call PITI (Principal, Interest, Taxes, Insurance). Most lenders require this to be no more than 28% of your gross monthly income.
Quick glossary
Principal, Interest, Taxes & Insurance — your true monthly housing cost.
Private Mortgage Insurance, required when your down payment is below 20%.
Debt-to-Income ratio. Most lenders cap your housing costs at 28% of gross income.
How your payment splits between principal and interest — more interest up front, more principal later.
Annual Percentage Rate — includes the interest rate plus lender fees, making it the true cost to compare loans.
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