Understanding money's building blocks

Monthly mortgage payment

Taxes, insurance, and HOA are separate—add estimates below to see your total cost.

Down payment

Interest rate (APR)

Loan term

Property taxes (yearly)

Homeowners insurance (annual)

HOA dues (monthly)

Results

Estimated home price

Down payment:

Loan amount:

Mortgage (P&I):

Property taxes:

Insurance:

HOA:

Total monthly housing cost:

Mortgage estimates calculate principal and interest. Taxes, insurance, and HOA are added separately to show total housing cost.