Mortgage Payment Calculator
Calculate your monthly mortgage payment including principal, interest, taxes, insurance, and HOA fees. See the full breakdown and total cost over the life of your loan.
Don't Overpay on Your Offer
Knowing your monthly payment is just the start. Most buyers overpay by $15,000-$50,000 because they make offers based on emotions and listing prices instead of actual market data.
OfferGuide analyzes comparable sales and gives you a data-driven offer strategy so you don't leave money on the table.
Get Your Offer Analysis →✓ First analysis free ✓ No credit card required
Loan Details
Helps us connect you with the right resources
Typically 3-20% of home price
Current average is around 7%
Annual property tax as % of home value
Only applies if down payment is less than 20%
If applicable (enter 0 if none)
Enter Loan Details
Fill out the form to calculate your monthly mortgage payment
Tips to Lower Your Monthly Payment
Increase Your Down Payment
A larger down payment reduces your loan amount and can help you avoid PMI if you put down 20% or more.
Shop for Better Rates
Even a 0.5% difference in interest rate can save you tens of thousands over the life of your loan. Get quotes from multiple lenders.
Consider a Lower-Tax Area
Property taxes vary widely by location. A home in a lower-tax area could save you hundreds per month.
Improve Your Credit Score
A higher credit score can qualify you for lower interest rates, significantly reducing your monthly payment.