Updated for 2026 · Rates as of June 2026
Free Mortgage Calculator
Estimate your monthly mortgage payment with taxes, insurance, and PMI — then find out exactly how much house you can afford. No sign-up required.
20%+ — no PMI
Taxes, insurance & fees
Estimated monthly payment
$2,270
on a $280,000 loan
- Principal & interest$1,816
- Property tax$321
- Home insurance$133
- Loan amount
- $280,000
- Down payment
- 20%
- Total interest
- $373,787
- Total of payments
- $653,787
Specialized calculators
Pick the calculator that matches your loan. Each one is pre-configured with the right defaults and a plain-English guide.
FHA Mortgage Calculator
Estimate your FHA loan payment with mortgage insurance premiums (MIP) and a low 3.5% down payment.
Open calculator →VA Mortgage Calculator
Estimate your VA loan payment with $0 down and no monthly mortgage insurance for eligible veterans.
Open calculator →Refinance Mortgage Calculator
See your new monthly payment and how much you could save by refinancing your existing mortgage.
Open calculator →Home Affordability Calculator
Find out how much house you can afford based on your income, debts, and down payment.
Open calculator →Adjustable-Rate Mortgage (ARM) Calculator
Estimate the initial payment on an adjustable-rate mortgage and understand how it can change.
Open calculator →Mortgage calculator by state
Property taxes and insurance costs vary widely by state. Choose yours for localized defaults and estimates.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
- District of Columbia
From the blog
View all guides →Mortgage Points: Should You Pay to Buy Down Your Rate?
Points let you pay upfront for a lower rate. Whether that pays off comes down to how long you'll keep the loan.
Read more →ClosingClosing Costs Explained: What Homebuyers Pay at the Table
Closing costs usually run 2–5% of the loan. Here's what they include and how to keep them down.
Read more →RefinancingShould You Refinance in 2026? A Break-Even Guide
Refinancing isn't free. Here's the simple break-even math that tells you whether it's worth it.
Read more →Want the full breakdown?
Read our complete guide to how mortgage payments are calculated, including amortization, PMI, and the 28/36 affordability rule.
Open the full mortgage calculator guide