Mortgage with Taxes & Insurance
Powerful, free, and easy to use
Mortgage Calculator with Taxes and Insurance
Calculate your complete monthly mortgage payment including property taxes, insurance, PMI, and HOA fees
Complete Payment Breakdown
- • Principal & Interest (P&I)
- • Property Taxes (escrow)
- • Homeowners Insurance
- • PMI (if applicable)
- • HOA Fees (if applicable)
About the Mortgage with Taxes & Insurance Calculator
This comprehensive mortgage calculator adds property taxes, homeowner insurance, private mortgage insurance, and HOA fees to your basic loan payment. It shows the true monthly housing cost rather than just principal and interest alone, which surprises many first-time buyers. Lenders often use this full-picture calculation to determine your debt-to-income ratio during the underwriting process.
How to Use
Start with the loan amount and interest rate as you would for a standard mortgage calculation. Then enter your annual property tax amount, yearly homeowner insurance premium, monthly PMI cost if applicable, and any HOA dues you expect to pay. The calculator combines everything into a single total monthly payment and breaks down exactly where each dollar goes. This complete view helps you budget realistically for the full cost of homeownership beyond just the mortgage principal and interest.