VIERITOOLS

Real Estate

Mortgage Calculator

Estimate the real monthly cost of a home, not just the mortgage payment.

Home financing scenario Monthly payment model
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Estimated monthly payment $0.00 Principal, interest, tax, insurance, HOA & PMI
Principal & interest $0.00
Loan amount $0.00
Down payment $0.00
Monthly tax + insurance $0.00
Total interest $0.00
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Ask what drives the payment, how much interest you pay, or what a larger down payment changes.
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Real housing cost

See the payment behind the price.

Adjust the home price, down payment, interest rate, term, taxes, insurance, HOA and PMI. VIERI Tools updates the estimated monthly housing cost instantly.

Understand the numbers

How the mortgage estimate is calculated

A mortgage payment is driven mainly by the amount borrowed, interest rate and loan term. This calculator can also account for common housing costs such as property taxes, homeowners insurance, HOA dues and mortgage insurance when those values are entered.

Calculation method

The principal-and-interest portion uses a standard fixed-payment amortization calculation. Other entered monthly housing costs are then added to show a broader estimated monthly payment.

Example

Example: a $400,000 home with a $80,000 down payment leaves an estimated $320,000 loan amount before financed fees or other adjustments. The monthly principal and interest then depends on the rate and term entered.

Useful checks

  • Use an interest rate that reflects the scenario you are evaluating.
  • Include taxes, insurance, HOA and PMI when applicable.
  • Compare the payment with your full household budget, not just lender qualification limits.

Keep calculating

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