Mortgage Calculator
Estimate your monthly payment, total interest, and amortization schedule for a US home loan.
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Your Results
Loan amount$320,000.00
Monthly payment$2,022.62
Total interest$408,142.36
Total paid$728,142.36
Estimate only. Does not include property taxes, insurance, or PMI.
Frequently Asked Questions
What is a good mortgage rate in 2026?
Rates vary with the economy and your credit profile. Compare offers from at least three lenders and consider whether a 15-year or 30-year term fits your budget.
Does this include property tax and insurance?
No. Your full monthly payment (PITI) also includes property taxes, homeowners insurance, and possibly PMI if your down payment is under 20%.
How does the amortization schedule work?
Early payments go mostly to interest; later payments go mostly to principal. The schedule shows exactly how much of each payment reduces your balance.
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