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Mortgage Calculator
Calculate your monthly mortgage payment, total interest, and view a full amortization schedule. Enter home price, down payment, interest rate, and loan term.
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Monthly Payment
$2,128.97
Principal & Interest only — does not include taxes or insurance
Loan Amount
$320,000
Down Payment
$80,000 (20.0%)
Total Interest
$446,428
Total Cost
$846,428
Down PaymentPrincipalInterest
Características Principales — Mortgage Calculator
Monthly payment (principal & interest)
Down payment in dollars or percent
Total interest and total cost
Visual payment breakdown chart
Yearly amortization schedule
10, 15, 20, 25, and 30 year terms
Por Qué Usar Esta Herramienta — Mortgage Calculator
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Privacidad Primero
Todo el procesamiento ocurre en tu navegador. Tus datos nunca salen de tu dispositivo.
Ultra Rápido
Obtén resultados instantáneos sin tiempo de espera. Sin retrasos de servidor.
Funciona en Todos Lados
Usa en cualquier dispositivo — escritorio, tablet o teléfono. Sin descargas necesarias.
Preguntas Frecuentes — Mortgage Calculator
How is a monthly mortgage payment calculated?
Monthly payment M = P × [r(1+r)^n] / [(1+r)^n − 1], where P is the loan principal, r is the monthly interest rate (annual rate ÷ 12), and n is the total number of monthly payments. This formula gives you the fixed monthly amount that pays off the loan in full over the term.
What is not included in this mortgage calculator?
This calculator computes principal and interest only. A real monthly payment also includes property taxes, homeowner's insurance, and possibly Private Mortgage Insurance (PMI) if the down payment is less than 20%. Add roughly $200–$500/month for these costs depending on location and home value.
What is an amortization schedule?
An amortization schedule shows how each payment is split between principal and interest over the life of the loan. Early payments are mostly interest; later payments shift toward principal. The schedule helps you see how quickly you build equity and how much extra payments save in interest.