Loan Calculator
Calculate monthly loan payments, total interest, and payoff time for residential and commercial properties.
Visualizing your future home
Plan your loan with confidence.
Smarter planning
See real cost impact
More confidence
Understand your numbers
Build your future
Make smarter decisions
Save more
Reduce total interest
Loan type
Loan details
Enter the four required fields for a ballpark — everything else is optional.
Down: 20.0% · LTV: 80.0%
Loan term
Monthly cost stack — all optional
Skip any you don't know — we'll use $0.
Annual amount
Annual amount
Monthly — typically if LTV > 80%
Monthly
Applied to principal
Payment frequency
Typically 2–5% of purchase price
Your results
Updated instantly as you type.
Loan amount
$280,000.00
Base monthly
$1,769.79
P&I only
Estimated all-in monthly
$2,269.79
Includes all stacked costs
Monthly breakdown
Total interest
$357,124.57
P&I only
LTV ratio
80.0%
Loan-to-value
Closing costs
$10,500.00
3% estimate
Down payment
20.0%
$70,000.00
Plain-English summary
After putting $70,000.00 down, you'd finance $280,000.00 at 6.5% over 30 years. Your base payment would be $1,769.79, and your all-in monthly estimate is $2,269.79.
Confidence & assumptions
- • Based on a fixed interest rate
- • Taxes and insurance are user-provided estimates
- • PMI removal calculated from amortization schedule when LTV reaches 80%
- • Does not include lender fees or escrow adjustments
- • Closing cost is an estimate — actual varies by lender and state
Confidence
Moderate — includes estimated costs
Estimates only. Results are based on standard loan math and user-provided inputs. Actual rates, fees, and approvals vary by lender, credit profile, and market conditions. Consult a licensed mortgage professional before making financial decisions.
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