Dupica Free valuation

Mortgage calculator with taxes, insurance, HOA and PMI

See the real monthly payment, not just principal and interest: property tax, insurance, HOA and mortgage insurance included.

Free, no sign-up Rates checked October 2026

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Use the rate from your Loan Estimate or a current quote.
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Default: effective rate from U.S. Census data. Use the property tax calculator for your county.
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Placeholder — get quotes; add flood or windstorm coverage if needed.
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Applies only with less than 20% down. Ask your lender for your rate.

How it's calculated

Principal and interest use the standard amortization formula: payment = L × r / (1 − (1 + r)^−n), where L is the loan (price − down payment), r the monthly rate (annual rate / 12) and n the number of payments (years × 12). We add one-twelfth of the yearly property tax and insurance, the monthly HOA dues and, if you put down less than 20%, private mortgage insurance (PMI) as a percentage of the loan.

Under the Homeowners Protection Act, you can ask your servicer to cancel PMI when your balance is scheduled to reach 80% of the home's original value, and it must end automatically at 78% if you are current on payments. We show the month the scheduled balance reaches 78%. FHA and VA loans have different mortgage insurance or funding fee rules.

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Frequently asked questions

What is included in a mortgage payment?

Principal and interest, and usually an escrow amount for property taxes and homeowners insurance (PITI). Mortgage insurance and HOA dues may add to your monthly housing cost.

How much is the payment on a $300,000 mortgage?

At 6.5% for 30 years, principal and interest are about $1,896 a month; at 15 years, about $2,613. Taxes, insurance and any PMI or HOA come on top — enter your numbers to see the total.

When can I stop paying PMI?

You can request cancellation when your balance is scheduled to reach 80% of the original value, and it must end automatically at 78% if your payments are current. Paying extra principal gets you there sooner.

Sources

Results are estimates for information only and are not legal, tax or financial advice. Confirm the figures with your lender, title or escrow company and the county offices.

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