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.
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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.

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Annie Callan

Wonderful remote selling experience. Tracy made selling my aunties house remotely a complete breeze. She was communicative and attentive when I had questions or worries. The house ended up needed more work than we originally thought but Tracy managed the projects and I was never concerned being so far away. I would trust her completely to sell our house again.

Sarah Parsons

Ten Stars. We cannot say enough about our amazing experience with Tracy. We knew her agency was incredibly profesional from our experience buying our first home with them 10 years ago, so we were keen to use them to sell our home this year. Bringing a home to market is so complicated and stressful, especially in these tumultuous times, but Tracy led us through every step of the process with skill, patience and the confidence that comes from many years of experience. Additionally, her philosophy is to keep the client at the center, making informed recommendations but always leaving final decisions up to you. She was available at all times for even the smallest questions, and has a wonderfully approachable communication style that my partner and I found very reassuring. Additionally, Tracy has built a very capable team around her, including stagers, contractors, landscapers, and a close network of many other agents whom she can tap for insider knowledge. Ultimately, the offer we received for our home was beyond our highest hopes, and we can say without question that it was down to Tracy’s exceptional skill and experience. We will be forever grateful.

Anjuli

Tracy is the best. She has so much kindness and attention to detail when it comes to supporting a home purchase. She was my dad’s realtor when he bought his first and second homes so naturally I went to her when buying my first home. My husband and I trusted her so much to tell us what was right and wrong about a house — she and her realtor partner Linda would often scour disclosures and spot red flags we would never be able to see. They would talk us down from any houses that didn’t feel right or had major fixes. There was so much attention to detail and care by Tracy and Linda. On the day we decided to put in an offer, Tracy personally went and did an inspection for us on the house and walked us through everything via Face Time when we couldn’t be there. Linda even showed up at our signing for moral support! I trust Tracy and Linda and would 110% recommend them to anyone!

Cheyenne Richards

Fabulous Vision, Expert Perspective, Flawless Follow-Through. Our house was in pretty good shape when we interviewed three realtors. One said do nothing. One recommended a couple minor things like escrow flowers. Only Tracy had the vision to see what was missing to make it great, and gave me the confidence that she would take the process, not as a set of boxes to tick, but as a personal mission to achieve a successful outcome. In the end, a very small investment made our house amazing. In fact the buyer commented they specifically fell in love with the house because of the changes she made. Tracy also made the process incredibly comfortable, and respectful of both our budgets and our emotional processes of saying goodbye to a beloved home and also hoping to make good money off it. And her advice every step of the way was spot-on.

Nick Kukulan

Great Team. Tracy and her team guided us through the challenging process of selling a beloved and unique family home of 65 years. Tracy has many years of experience and provides great expertise on strategy and approach to preparing the house for sale in a collaborative manner. She is an encyclopedia on real estate rules and provides excellent guidance on the many steps of compliance to make sure that a transaction will be absolutely solid from the seller’s position. Unique with Tracy is her love of design and appreciation of a home’s style and architecture. Once we agreed together on a plan, Tracy’s team executed the plan and coordinated the many contractors in a very compressed time frame. All along they regularly communicated on the status of the work and kept a detailed budget. When additional work was needed, we were promptly informed of the scope of the work and the costs. Tracy’s stable of contractors did good work and on time. We were truly amazed that the house was ready for showing according to the original calendar plan. Tracy and team also have some great ideas on marketing a home and presenting it to the market in pre-open house gatherings, and at the open houses. They put together a distinctive website and photo presentation of our home. All in all Tracy and her excellent team made a once in a lifetime experience of selling a family home very positive.

Julie Z.

Design Skills Coupled With Expertise We hired Tracy to sell the family home after my father in law passed away last year. The market was already starting to decline and we knew we had two choices, sell as is or fix the home. We consulted Tracy and she said we would get better offers for the home if we cleaned it up and added design elements to go with the modern architecture of the home. Tracy also called other agents in the region who had recently sold similar homes to get a true feeling for the market at that point. With solid market data in hand combined with utilizing her creative and design talent, the house showed so well, that we received above asking price. Tracy made the process of moving the things out of the house and getting us through escrow seamless. During a time of grief for the family, having Tracy's calm, professional and kind demeanor made the selling of the home one thing we didn't have to worry about. Thank you Tracy for all your hard AND creative work!

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