SmartMortgageCalc
Calculator
Loan Types
Guides
☾
Calculator
Plan the payment before you make the offer.
Home price
Down payment
$
%
Loan amount
Home price minus down payment (plus any financed fees).
Interest rate (%)
Loan term
10 years
15 years
20 years
25 years
30 years
Loan type
Conventional
FHA
VA
USDA
PMI rate (annual %)
Applies automatically while your equity is below 20%.
MIP rate (annual %)
FHA mortgage insurance premium, charged monthly for the loan's life.
VA funding fee (%)
Financed into the loan amount. No monthly mortgage insurance.
USDA guarantee fee (%)
One-time, financed into the loan.
USDA annual fee (%)
Property tax
%/yr
$/yr
Home insurance ($/yr)
HOA dues ($/mo)
First payment date
Add an extra monthly payment
Extra payment ($/mo)
Applied straight to principal, shortening the loan.
Calculate
Reset
Results
Copy
Download CSV
Monthly payment
—
Loan amount
—
Total interest
—
Total cost
—
Payoff date
—
Mortgage insurance
—
Monthly breakdown
Item
Amount
Amortization schedule
Monthly
Annual