Mortgage Calculator With Taxes and Insurance
Estimate the full monthly mortgage payment including property tax, home insurance, PMI and any HOA dues, the real cost of owning the home.
- Free
- No sign-up
Enter your home price and details to see the full payment.
Worked example
With these example inputs:
- Home price$350,000
- Down payment10%
- Interest rate6.75%
- Loan term30 yr
- Property tax rate1.2%
- Home insurance$1,600
- HOA dues$150
Total monthly payment: $2,808
- Principal & interest$2,043
- Property tax$350.00
- PMI$131.25
- Loan amount$315,000
Frequently asked questions
Why include taxes and insurance?
Property tax and home insurance are usually collected with your mortgage payment into an escrow account, so they are part of what you actually pay each month.
What is escrow?
An escrow account holds the tax and insurance portion of your payment and pays those bills for you when they come due, spreading the cost across the year.