Mortgage calculator

Estimate your monthly payment, affordability, and total loan cost. Rate pre-filled from today's national average.

30-yr fixed: 6.53%· source: FRED (Federal Reserve)

Your numbers

Home price$350k

Down payment (20% — $70,000)20%

Interest rate (6.53%)6.53%

More options

Monthly gross income

Property tax / month

Home insurance / month

Est. monthly payment

$2,045

$1,775 P&I · $150 tax · $120 insurance

P&ITaxInsurance

Loan amount

$280,000

Down payment

$70,000 (20%)

Total interest

$359,115

Total cost

$709,115

Debt-to-income (housing)

26% Comfortable

0%≤28% comfortable50%+

Most lenders prefer housing costs below 28% of gross monthly income. At $8,000/mo income, the comfort ceiling is $2,240/mo.

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This calculator provides estimates for informational purposes only. It does not account for PMI, HOA fees, or local tax variations. Consult a licensed lender for a formal pre-approval and exact payment quote.