Mortgage Calculator

Use our home loan calculator to estimate your total mortgage payment, including taxes and insurance. Simply enter the price of the home, your down payment, and details about the home loan, to calculate your mortgage payment, schedule, and more.
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Your mortgage payments over 30 years will add up to $0.

Mortgage Help

Down Payment

The typical rule of thumb is to pay 20 percent of the home's price as your down payment, although some mortgage loans require as little as 3.5 percent down. Your down payment reduces the total amount of your mortgage loan, so the more money you put down, the lower your payments will be - or the more expensive a house you can buy.

Loan Term

Your loan program can affect your interest rate and monthly payments. Choose from 30-year fixed, 15-year fixed, and more in the calculator.

Loan Type

There are several types of mortgage loans, but the most commonly used are fixed-rate and adjustable-rate loans. Fixed-rate loans have the same interest rate for the entire duration of the loan. That means your monthly payment will be the same, even for long-term loans, such as 30-year fixed-rate mortgages. Two benefits to this loan type are stability, and being able to calculate your total interest up front. Adjustable-rate mortgages (ARMs) have interest rates that can change over time. Typically they start out at a lower interest rate than a fixed-rate loan, and hold that rate for a set number of years, before changing interest rates from year to year. For example, if you have a 5/1 ARM, you will have the same interest rate for the first 5 years, and then your interest rate will change from year to year. The main benefit of an adjustable-rate loan is starting off with a lower interest rate.

Interest Rate

This field is pre-filled with the current average mortgage rate. Your actual rate will vary based on factors like credit score and down payment.

Property Tax Rate

The mortgage payment calculator includes estimated property taxes based on the home's value. You can edit this in the advanced options.

Home Insurance

Home insurance or homeowners insurance is typically required by lenders, depending on the loan program. You can edit this number in the mortgage calculator advanced options.

HOA Fees

A homeowners association fee (HOA fee) is an amount of money that must be paid monthly by owners of certain types of residential properties, and HOAs collect these fees to assist with maintaining and improving properties in the association.

What My Clients Say

Kevin DeWert

Valarie is AMAZING! I cannot recommend her enough! My wife and I were in the market to purchase our very first home. Valarie was with us every step of the way and made the process so seamless and as stress free as buying a house can be! We knew upon our first meeting that Valarie was so much more than just an agent, she took such a personal approach and made us feel so comfortable throughout the entire process and even after. We were lucky to have worked with Valarie for some time while finding our perfect home. Moving from out of state can present some obvious challenges; but with Valarie’s help and accommodation she was our feet on the ground and helped us with any and all needs from a distance AND in person. With her help, we found our DREAM home and are loving every minute of being homeowners. It was clear throughout our experience that Valarie always had our best interests in mind and was here to help and coach us every step of the way. Whether it is Home #1 or Home #10, Valarie is definitely the BEST choice for all of your needs. THANK YOU VALARIE!!

Desiree Caminos

It couldn’t have been more perfect! Valarie was amazing—she broke down the home-buying process in simple, understandable ways that had us feeling engaged and clear from the very beginning. This was our first home, and my partner and I were full of excitement and uncertainty. She was direct communication with our broker so that she was always up to speed on our process! Valarie advocated for us throughout the entire process and even after closing, as we navigated homeownership! Valarie will be our go-to realtor for life, and we recommend her 10/10 to anyone looking for a professional, authentic, relatable, and wise realtor who will advocate for you and bring gentle clarity to the whole process. Thank you so much Valarie! This dream home of ours would not have been possible without you!

Chase Standifer

She was very professional and friendly and helped me understand every part of the process. She also kept me updated through out and was very quick to respond to any questions I had. I would highly recommend her to anyone.

Bad Karma

Valerie wad great! Returned texts and calls quickly. Was very helpful on what we needed/wanted. She only sent me pertinent houses and properties to view.

Let's get you to your next dream home!

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Valarie Holman

+1(970) 237-1445 | val@valarieholman.com

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