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Home Loan Calculator

Home Loan Calculator - Calculate a home mortgage payment with taxes, insurance and PMI (Private Mortgage Insurance) with this simple mortgage calculator. Home loan calculator can be used to calculate mortgage payments for purchase or refinance mortgage loans with from 10 years up to 40 years amortization and includes income needed to qualify for a home loan and PMI removal information. View mortgage calculators for specific home loan programs such as a FHA mortgage calculator and a VA home loan calculator for veterans.

Home Loan Calculator Mortgage Loan Calculator Instructions

Step 1: Enter Home Loan Purpose, Sales Price, Mortgage Rate and Term
Step 2: Select Property type, Taxes and Insurance
Step 3: Click "Calculate Mortgage Home Loan Payments"

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Home Loan Calculator  / //
Home Loan Purpose
Sales Price / Home Value
Loan Amount
Loan Amortization
Home Loan Rate
Est. Annual Property Tax Amount
Est. Annual Homeowners Insurance Cost

Results of Home Loan Calculator ///
  • View your monthly home loan payment with taxes and insurance for a year home loan at a % mortgage rate

Total Monthly Mortgage Payment
Home Loan Calculator Details
Home Loan Amount
Loan to Value / LTV
Mortgage Loan Payment Breakdown
Monthly Principal and Interest Loan Payment
Monthly Private Mortgage Insurance*
Monthly Property Taxes based on
Estimated Monthly Homeowners Insurance
Total Monthly PITI Mortgage Payment
Private Mortgage Insurance Removal
PMI removed at home loan balance of
Amount home loan must be paid down by
Can You Afford this Home Loan?
  • Using front-end debt to income ratio loan requirements guidelines of 31%, the home loan calculator determines that you would need a minimum gross monthly income of for a home loan at %.

  • Current home loan requirements suggest a back-end debt to income of 11% or less of your gross monthly income. To qualify for the home loan with the minimum income of , your total car payments, minimum credit card and loan payments and any other liablities reported on your credit report should not exceed per month. If your monthly debt exceeds , you should request a free, no-obligation home loan prequalification below to determine your home loan options.

  • Most home loans require a minimum of 580 credit score. Don't know your credit score? Request a Free Credit Score at TransUnion Now.

  • Note: changes in current mortgage rates will increase or decrease the home loan amount you may qualify for.

  • The loan calculations presented by this home loan calculator are based on current home loan requirements. You should contact a mortgage lender to request a free, no obligation, loan prequalification to determine exactly how much home you can afford using your specific income qualifications, credit score and current revolving debt.

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Link to this Home Loan Calculator. Copy & Paste HTML code in below:

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* Home Loan Calculator PMI Disclosure: Mortgages with a Loan to Value / LTV of 80% require private mortgage insurance, while FHA loans require FHA mortgage insurance. The cost of PMI will vary based on your credit scores, LTV, loan type and your qualifications. This mortgage home loan calculator provides basic PMI rates for informational purposes only. You should request a detailed mortgage prequalification to determine your exact monthly PMI charges calculated in this mortgage payment home loan calculator.

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