Mortgage Calculator

Calculate your monthly mortgage payment. Factor in down payment, interest rate, and loan term.

Monthly Payment

Loan Amount

Total Interest

Total Cost

How to Use This Calculator

1. Enter the home price
2. Enter your down payment amount
3. Enter the mortgage interest rate
4. Select the loan term (15, 20, or 30 years)
5. View your monthly payment and total costs

The Formula

The mortgage payment uses the same formula as loans:

M = P[r(1+r)^n]/[(1+r)^n-1]

Your loan amount (P) is the home price minus down payment.
The total cost includes the down payment plus all monthly payments.