Buying a home
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Residential real estate
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A place for you.
A first home. A fresh start. A different pace. Begin with what matters to you, and take the next step from there.
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Planning ahead
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Plan your purchase
Home mortgage
calculator.
See how your price, down payment, and loan terms shape an estimated monthly housing payment.
Illustrative example inputs · Replace these with your estimates. Rates shown are examples, not current offers. All amounts are in USD.
Enter the loan interest rate, not APR.
Use your lender’s estimate if applicable. Zero excludes this cost.
Estimated monthly housing payment
$3,178.27/ month
- Loan amount
- $400,000.00
- Down payment
- 20.0%
- Principal + interest
- $2,528.27
- Property tax
- $500.00
- Home insurance
- $150.00
- HOA fees
- $0.00
- Mortgage insurance
- $0.00
- Total loan interest
- $510,177.95
Tax, insurance, and HOA amounts may change. Enter all applicable costs before comparing your budget.
View annual amortization schedule
| Year | Principal paid | Interest paid | Balance |
|---|---|---|---|
| 1 | $4,470.90 | $25,868.36 | $395,529.10 |
| 2 | $4,770.33 | $25,568.94 | $390,758.77 |
| 3 | $5,089.80 | $25,249.46 | $385,668.97 |
| 4 | $5,430.68 | $24,908.59 | $380,238.29 |
| 5 | $5,794.38 | $24,544.88 | $374,443.91 |
| 6 | $6,182.44 | $24,156.82 | $368,261.47 |
| 7 | $6,596.49 | $23,742.78 | $361,664.98 |
| 8 | $7,038.27 | $23,301.00 | $354,626.71 |
| 9 | $7,509.64 | $22,829.63 | $347,117.07 |
| 10 | $8,012.57 | $22,326.70 | $339,104.51 |
| 11 | $8,549.19 | $21,790.08 | $330,555.32 |
| 12 | $9,121.74 | $21,217.52 | $321,433.58 |
| 13 | $9,732.64 | $20,606.62 | $311,700.94 |
| 14 | $10,384.45 | $19,954.81 | $301,316.48 |
| 15 | $11,079.92 | $19,259.35 | $290,236.56 |
| 16 | $11,821.96 | $18,517.30 | $278,414.60 |
| 17 | $12,613.70 | $17,725.56 | $265,800.90 |
| 18 | $13,458.46 | $16,880.80 | $252,342.44 |
| 19 | $14,359.80 | $15,979.46 | $237,982.64 |
| 20 | $15,321.50 | $15,017.76 | $222,661.13 |
| 21 | $16,347.61 | $13,991.65 | $206,313.52 |
| 22 | $17,442.44 | $12,896.82 | $188,871.07 |
| 23 | $18,610.60 | $11,728.67 | $170,260.47 |
| 24 | $19,856.98 | $10,482.28 | $150,403.49 |
| 25 | $21,186.84 | $9,152.42 | $129,216.65 |
| 26 | $22,605.76 | $7,733.50 | $106,610.88 |
| 27 | $24,119.71 | $6,219.55 | $82,491.17 |
| 28 | $25,735.06 | $4,604.21 | $56,756.11 |
| 29 | $27,458.58 | $2,880.68 | $29,297.53 |
| 30 | $29,297.53 | $1,041.73 | $0.00 |
Estimate assumes a fully amortizing fixed-rate loan with monthly payments. It excludes closing costs, maintenance, utilities, and costs you have not entered. Mortgage insurance is entered manually and is not automatically determined or cancelled. This is a planning estimate, not a lender quote, approval, or offer. Confirm terms and costs with your lender.
Calculations run in your browser. Calculator inputs are not sent to NBM or HighLevel.
CFPB guide to monthly home costs ↗Properties
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