Mortgage Taxes and Insurance Calculator

Plan home ownership with a precise calculator that includes property tax homeowner insurance PMI and HOA fees for a realistic monthly payment. Build custom scenarios visualize charts download data as CSV or PDF and understand formulas behind principal interest taxes and insurance for smarter decisions. Compare loans find breakpoints adjust down payment and rates

Loan & Property
$
$
Loan Amount = Home Price − Down Payment
%
years
Taxes & Insurance
%
$
%
PMI applies until balance ≤ 80% of home price
$
Downloads

CSV includes full amortization schedule with monthly breakdown.

Results
$0
Loan Amount
$0
Principal & Interest (P&I)
$0
Taxes + Insurance + PMI + HOA
$0
Estimated Monthly Payment
Balance & Payment Composition
Amortization Schedule (sample)
Example shown after calculation
Month Payment Principal Interest Taxes Insurance PMI HOA Balance
Formula Used

Monthly interest rate: r = annualRate / 12 / 100
Number of payments: n = termYears × 12
Monthly principal & interest: 

M = P * r * (1 + r)^n / ((1 + r)^n - 1)

Property tax (monthly): tax = homePrice × (taxRate/100) / 12
Homeowners insurance (monthly): ins = annualInsurance / 12
PMI (monthly): pmi = loanBalance > 0.8 × homePrice ? (loanAmount × (pmiRate/100) / 12) : 0
HOA (monthly): user-entered.
If escrow is included, total monthly payment = M + tax + ins + pmi + HOA. The amortization schedule updates balance monthly by subtracting principal.

This is an educational tool and may simplify certain scenarios such as PMI cancellation rules or tax assessments. Verify with your lender for precise figures.

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Important Note: All the Calculators listed in this site are for educational purpose only and we do not guarentee the accuracy of results. Please do consult with other sources as well.