US Home Loan Payment Calculator with Taxes
First Time Home Buyer Mortgage Calculator
Calculate your complete monthly home loan payment including principal, interest, property taxes, insurance, and PMI. Our mortgage affordability calculator uses real-time FRED rates and state tax data for accurate estimates.
Your Input: The Loan Details
Expenses Summary
💳 Total Monthly Payment
Your complete monthly housing payment including principal, interest, taxes, insurance, and fees
$2,754
📈 Total Interest Paid
The total amount of interest you'll pay over the entire loan term
$485,495
💰 Total Amount Paid
The total amount you'll pay for the home (principal + interest)
$805,495
🎯 Payoff Date
When your mortgage will be completely paid off
Aug 2055
Monthly Payment Breakdown
🏠 Monthly Principal & Interest
Payment toward the loan amount and interest charges
$2,237
🏛️ Monthly Property Taxes
Monthly portion of annual property taxes escrowed by lender
$400
🛡️ Monthly Home Insurance
Homeowner's insurance premium escrowed by lender
$117
🔒 Monthly PMI
Private Mortgage Insurance required when down payment is less than 20%
$0
Annual Payment Breakdown
📅 Total Annual Payments
Your complete housing costs including all mortgage-related expenses
$33,048
🏠 Annual Principal & Interest
Payments toward loan principal and interest charges
$26,844
🏛️ Annual Property Taxes
Property tax assessment based on home value and local tax rates
$4,800
🔒 Annual PMI
Private Mortgage Insurance cost when down payment is below 20%
$0
🏘️ Annual HOA Fees
Homeowners Association fees for shared community services and upkeep
$0