Calculator
Mortgage Calculator
Estimate a complete monthly mortgage payment with principal, interest, property taxes, homeowners insurance, PMI, and HOA fees. Explore down payments and extra principal before comparing offers.
🔒 100% private browser calculations
Your home price and mortgage details stay on your device. Xepoca calculates every estimate locally and does not upload or store the values you enter.
Mortgage settings
Enter purchase, loan, and recurring housing-cost estimates.
$80,000.00 · 20.00% of the home price
Monthly cost estimates
Adjust these values to approximate the full housing payment.
Payment overview
Estimated recurring payment before utilities, maintenance, and one-time closing costs.
Estimated monthly housing payment
$2,572.62
$2,022.62
$400.00
$150.00
$0.00
$0.00
$30,871.44
Mortgage amount
$320,000.00
Loan-to-value ratio
80.00%
Total interest
$408,142.36
Estimated payoff
30 years
Estimates assume a fixed-rate mortgage with monthly payments. Actual taxes, insurance, PMI rules, lender fees, escrow adjustments, and closing costs may differ.
Down payment
$80,000
20.00% of price
Total loan payments
$728,142
Principal, interest, and extra principal
Estimated PMI total
$0
No PMI estimated
Payoff period
30 years
360 scheduled payments
Mortgage amortization schedule
Payment-by-payment principal, interest, estimated PMI, and remaining balance.
| Payment | P&I | Principal | Interest | Extra | Est. PMI | Cumulative interest | Balance |
|---|---|---|---|---|---|---|---|
| #1 | $2,022.62 | $289.28 | $1,733.33 | $0.00 | $0.00 | $1,733.33 | $319,710.72 |
| #2 | $2,022.62 | $290.85 | $1,731.77 | $0.00 | $0.00 | $3,465.10 | $319,419.86 |
| #3 | $2,022.62 | $292.43 | $1,730.19 | $0.00 | $0.00 | $5,195.29 | $319,127.44 |
| #4 | $2,022.62 | $294.01 | $1,728.61 | $0.00 | $0.00 | $6,923.90 | $318,833.43 |
| #5 | $2,022.62 | $295.60 | $1,727.01 | $0.00 | $0.00 | $8,650.91 | $318,537.82 |
| #6 | $2,022.62 | $297.20 | $1,725.41 | $0.00 | $0.00 | $10,376.33 | $318,240.62 |
| #7 | $2,022.62 | $298.81 | $1,723.80 | $0.00 | $0.00 | $12,100.13 | $317,941.80 |
| #8 | $2,022.62 | $300.43 | $1,722.18 | $0.00 | $0.00 | $13,822.31 | $317,641.37 |
| #9 | $2,022.62 | $302.06 | $1,720.56 | $0.00 | $0.00 | $15,542.87 | $317,339.31 |
| #10 | $2,022.62 | $303.70 | $1,718.92 | $0.00 | $0.00 | $17,261.79 | $317,035.62 |
| #11 | $2,022.62 | $305.34 | $1,717.28 | $0.00 | $0.00 | $18,979.07 | $316,730.27 |
| #12 | $2,022.62 | $307.00 | $1,715.62 | $0.00 | $0.00 | $20,694.69 | $316,423.28 |
How the mortgage payment estimate works
Principal and interest are calculated with a standard fixed-rate amortization formula. The same scheduled principal-and-interest payment is used each month, while the share going to interest falls as the mortgage balance declines.
The broader housing-payment estimate adds property tax, homeowners insurance, private mortgage insurance, and HOA fees. These costs can change over time and should be replaced with location-specific quotes when available.
Extra monthly principal is applied after the regular payment. Reducing the balance sooner can lower total interest, move the estimated PMI removal point forward, and shorten the payoff period when the lender allows penalty-free prepayment.
Costs included in this mortgage calculator
Principal and interest
The financed amount is amortized across the selected term using the entered fixed annual interest rate.
Property taxes
Annual property tax is estimated as a percentage of the home price and divided into monthly amounts.
Insurance, PMI, and HOA
Add homeowners insurance, estimated PMI, and association fees to approximate recurring ownership costs.
Extra principal
Test an optional recurring overpayment to compare interest savings and an accelerated payoff schedule.
How down payment changes the estimate
A larger down payment reduces the mortgage principal and usually lowers both the monthly principal-and-interest payment and total interest. It also lowers the loan-to-value ratio used in the PMI estimate.
This calculator stops estimated PMI when the scheduled starting balance reaches 80% of the original home value. Actual cancellation and automatic-termination rules depend on the loan, lender, appraisal, payment history, and local requirements.
Frequently Asked Questions
Is the Mortgage Calculator free?+
Yes. You can calculate mortgage costs and download the amortization schedule without creating an account.
Are my mortgage details uploaded?+
No. The calculations happen locally in your browser, so the values remain on your device.
What is included in the estimated monthly payment?+
The estimate combines principal and interest with the entered property tax, homeowners insurance, PMI, and HOA fees. Extra monthly principal is shown separately in planned outflow.
How is principal and interest calculated?+
The calculator uses the standard fixed-rate amortization formula based on the mortgage amount, monthly interest rate, and number of monthly payments.
When does the calculator remove PMI?+
For estimation, PMI is charged while the scheduled starting balance is above 80% of the original home value. Actual lender and legal requirements can differ.
Does this include closing costs or utilities?+
No. Closing costs, lender fees, utilities, maintenance, repairs, and changing escrow requirements are not included unless represented by one of the editable recurring-cost fields.
What happens when I add extra principal?+
The extra amount is applied to principal in the estimate, which can reduce interest, shorten the payoff period, and potentially end estimated PMI sooner.
Can I export the amortization schedule?+
Yes. Use Download CSV to save every estimated payment, including principal, interest, extra principal, PMI, cumulative interest, and remaining balance.