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HomeCalc

Mortgage calculator

Work out your monthly payment with property tax, home insurance and PMI, for a fixed-rate loan or an adjustable-rate mortgage (ARM).

Figures follow US federal and state law, with every source cited and dated.

Your loan
State
$
$
20% down · Loan $400,000.00 · LTV 80%
Rate type
Loan term

Your rate stays the same for 30 years.

Interest rates
%
Discount pointsnone
One point is 1% of the loan: $4,000.00 for 1 point.
%
Taxes, insurance and PMI

No PMI: your down payment is 20% or more.

%
%
Voter-approved local charges added to the property tax. Your county tax bill lists them.
$
$
Prepayment
$
%
Default in month 60: 0% of the amount prepaid. Change it to match your loan contract.Last verified: Oct 2, 2026
After prepaying

Results

Monthly payment (PITI)

$2,944.94

Principal & interest
$2,528.27
Property tax
$416.67

United States · California · USD

Interest rate
6.5%
APRIncludes discount points and lender fees; excludes taxes and home insurance.
6.623%
Total interest
$510,179.81
Total paidPrincipal plus interest
$910,179.81

Note

Every figure on this page is an estimate based on the values you entered and on defaults from US federal law, the selected state's law and common market practice, each current as of the verification date shown next to it. It is not financial, legal or tax advice. Your actual rate, APR, closing costs and taxes are set by your lender, the company handling your closing and your county when you buy. Your Loan Estimate and Closing Disclosure show the real figures; check them before you sign. This site stores none of your data; everything you entered lives in the page address.

Monthly rate is the annual rate divided by 12; amounts are rounded to the cent. APR uses the actuarial method of Regulation Z, Appendix J.

The link carries only the numbers you entered. The site stores nothing.

Next: home-buying costs

Interest and principal by year

  • Interest
  • Principal
  • Property tax
  • Monthly payment
Interest and principal by yearStacked bars for 30 years showing interest and principal paid each year, with a line for the monthly payment, starting at $2,528.27. Exact figures are in the schedule table.Year 1: interest $25,868.38, principal $4,470.86 · Property tax $5,000.04Year 2: interest $25,568.95, principal $4,770.29 · Property tax $5,000.04Year 3: interest $25,249.47, principal $5,089.77 · Property tax $5,000.04Year 4: interest $24,908.59, principal $5,430.65 · Property tax $5,000.04Year 5: interest $24,544.89, principal $5,794.35 · Property tax $5,000.04Year 6: interest $24,156.86, principal $6,182.38 · Property tax $5,000.04Year 7: interest $23,742.79, principal $6,596.45 · Property tax $5,000.04Year 8: interest $23,301.03, principal $7,038.21 · Property tax $5,000.04Year 9: interest $22,829.66, principal $7,509.58 · Property tax $5,000.04Year 10: interest $22,326.71, principal $8,012.53 · Property tax $5,000.04Year 11: interest $21,790.11, principal $8,549.13 · Property tax $5,000.04Year 12: interest $21,217.57, principal $9,121.67 · Property tax $5,000.04Year 13: interest $20,606.68, principal $9,732.56 · Property tax $5,000.04Year 14: interest $19,954.84, principal $10,384.40 · Property tax $5,000.04Year 15: interest $19,259.38, principal $11,079.86 · Property tax $5,000.04Year 16: interest $18,517.35, principal $11,821.89 · Property tax $5,000.04Year 17: interest $17,725.63, principal $12,613.61 · Property tax $5,000.04Year 18: interest $16,880.87, principal $13,458.37 · Property tax $5,000.04Year 19: interest $15,979.51, principal $14,359.73 · Property tax $5,000.04Year 20: interest $15,017.84, principal $15,321.40 · Property tax $5,000.04Year 21: interest $13,991.75, principal $16,347.49 · Property tax $5,000.04Year 22: interest $12,896.91, principal $17,442.33 · Property tax $5,000.04Year 23: interest $11,728.76, principal $18,610.48 · Property tax $5,000.04Year 24: interest $10,482.37, principal $19,856.87 · Property tax $5,000.04Year 25: interest $9,152.52, principal $21,186.72 · Property tax $5,000.04Year 26: interest $7,733.63, principal $22,605.61 · Property tax $5,000.04Year 27: interest $6,219.69, principal $24,119.55 · Property tax $5,000.04Year 28: interest $4,604.34, principal $25,734.90 · Property tax $5,000.04Year 29: interest $2,880.83, principal $27,458.41 · Property tax $5,000.04Year 30: interest $1,041.90, principal $29,299.95 · Property tax $5,000.04per yearper month10,00020,00030,00040,0001,0002,0003,000Year 88Year 1616Year 2424

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Yearly schedule

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