CalculateIt

Loan Calculator

Calculate monthly loan payments and estimate your total housing cost with taxes, insurance, PMI, HOA, fees, and extra payments.

Visual insight

Visualizing your future home

Plan your loan with confidence.

Future home visualization

Smarter planning

See real cost impact

More confidence

Understand your numbers

Build your future

Make smarter decisions

Save more

Reduce total interest

Estimates based on your inputs and assumptions.

Loan details

Start with the main loan numbers, then stack optional monthly costs.

Down payment: 20.0%

Advanced monthly costs

These stack on top of principal and interest to estimate a more realistic monthly payment.

Your results

Base loan math plus optional stacked housing costs.

Loan amount

$280,000.00

Base monthly payment

$1,769.79

Principal + interest only

Estimated all-in monthly payment

$2,269.79

Includes taxes, insurance, PMI, HOA, and other monthly fees

Monthly payment breakdown

Principal + interest$1,769.79
Property taxes$350.00
Insurance$150.00
PMI$0.00
HOA$0.00
Other monthly fees$0.00
Estimated monthly total$2,269.79

Total interest

$357,124.57

Based on principal + interest only

Loan-to-value

80.0%

Based on loan amount divided by purchase price

Extra payment impact

Add an extra monthly payment above to estimate how much sooner you could pay off the loan and how much interest you might save.

Plain-English explanation

After putting $70,000.00 down, you would finance $280,000.00. At 6.5% over 30 years, your base monthly payment could be $1,769.79. Once you stack taxes, insurance, PMI, HOA, and other monthly costs, your estimated monthly total could be $2,269.79.

Confidence & assumptions

  • • Based on a fixed interest rate
  • • Property taxes and insurance are user-provided estimates
  • • PMI is not automatically removed over time
  • • Does not include lender-specific fees or escrow adjustments
  • • Results may vary based on loan structure and approval terms

Confidence level

Moderate — includes estimated costs that may vary

Estimates only. Taxes, insurance, PMI, HOA, and fees are added as user-entered monthly or annual assumptions. This version does not yet model PMI drop-off rules, escrow timing, closing-cost financing, or lender-specific rounding behavior.