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Mortgage Payment Calculator

Your real monthly payment is more than principal and interest. Enter your numbers to see the full PITI — principal, interest, taxes, insurance, plus HOA and PMI when they apply.

By Mike Certo, NMLS #260555,

Estimator only. No rates are quoted here; you enter your own scenario. Confirm live numbers with us.

Loan inputs

Purchase
Rates move daily and depend on your loan type, credit, and term. Enter an estimate; Mike gives you a live quote.
Taxes & insurance
Use the county assessor's figure for the property, or your best estimate.
Rough PMI estimate at ~0.6% of the loan per year when down payment is under 20%. Actual PMI depends on credit and loan-to-value.

Your monthly payment

$0 full monthly payment (PITI + HOA + PMI)
Loan amount$0
Principal & interest$0
Property tax$0
Homeowners insurance$0
HOA$0
PMI (est., if applicable)$0
Total monthly$0
What this leaves out: utilities, maintenance, and (in many regions) seasonal costs aren't in a mortgage payment but are real. Budget them so your true cost of owning isn't a surprise. The loan type you choose changes this number as much as the price does — we'll walk you through which fits.

Talk to a loan specialist about your numbers

Want Mike Certo (Cornerstone First Mortgage, NMLS #260555) to run this on a live scenario and find the loan type with the lowest real payment? Our team calls you back within 5 minutes during business hours. No commitment, no pressure.

Estimates only. Not a commitment to lend. Actual terms depend on full underwriting including credit, income, assets, and property appraisal. No interest rate is quoted on this page; figures use the rate you enter. PMI shown is a rough estimate, not a quote. Mike Certo · Cornerstone First Mortgage NMLS #173855 · Mike Certo NMLS #260555. Equal Housing Lender.