Mortgage Calculator
Calculate your monthly mortgage payment, total payment, and total interest. Perfect for planning your home purchase.
Loan Details
Results
Monthly Payment
$0.00
Total Payment
$0.00
Total Interest
$0.00
Breakdown
| Home Price: | $0.00 |
| Down Payment: | $0.00 |
| Loan Amount: | $0.00 |
| Total Payments: | 0 |
Cost Breakdown
| Principal: | $0.00 |
| Interest: | $0.00 |
| Total Cost: | $0.00 |
About Mortgage Calculations
This calculator uses the standard mortgage payment formula to calculate your monthly payment:
Formula: M = P × [r(1 + r)^n] / [(1 + r)^n - 1]
Where:
Where:
- M = Monthly payment
- P = Principal loan amount
- r = Monthly interest rate (annual rate ÷ 12)
- n = Number of payments (years × 12)
Tips for Home Buyers
Down Payment
- 20% down payment avoids PMI insurance
- Larger down payment reduces monthly payments
- Smaller down payment preserves cash reserves
Interest Rate
- Shop around for best rates
- Consider fixed vs. adjustable rates
- Even 0.5% difference significantly impacts total cost
Related Utils
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