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App-style monthly payment calculator

Estimate principal and interest, compare FHA vs conventional mortgage insurance logic, and review the payment scenario before you book the long prequalification call.

PMA Mortgage Calculator

Mortgage calculator

Program, term, rate, taxes, and insurance in one view.

Loan Purpose
Program
Term
years
Purchase price
$
Down payment
%
$
Interest rate
%
Property taxes
$
HOI
$
HOA dues
$
Other dues
$
Credit range
Estimated monthly payment
$3,049
Purchase • Conventional • 30-year fixed
PITI
APR 5.123%
P&I$2,150.18
Taxes$442.71
Insurance$301.04
MI$154.77
Purchase price
$425,000.00
Down payment
$21,250.00 (5.0%)
Loan amount
$403,750.00
Principal and interest
$2,150.18
Interest rate
4.930%
Estimated APR
5.123%
Taxes per month
$442.71
Insurance per month
$301.04
Loan insurance per month
$154.77
HOA per month
$0.00
Other dues per month
$0.00
LTV
95.000%
Annual mortgage insurance rate
0.460%
Lender / LOS paths
Simulated matrix v2026-06-25. Verify guidelines, pricing, lock and underwriting before quoting.
LOS JSON
UWM
UWM
Agency speed • FHA/conventional • Broker workflow
Sim adj.: -0.08%LTV max 97%FICO min 5801-3d
The Loan Store
TLS
Agency • Non-QM fallback • HELOC/second-lien review
Sim adj.: 0.00%LTV max 95%FICO min 6202-4d
Rocket Pro
ROCKET_PRO
FHA • VA-adjacent workflow • Conventional comparison
Sim adj.: +0.08%LTV max 97%FICO min 5801-4d
Newrez
NEWREZ
Agency coverage • Non-QM options • Scenario breadth
Sim adj.: +0.10%LTV max 95%FICO min 6002-5d
Get a personalized payment estimate

* Example for illustration only: purchase price $450,000, 20% down, 30-year fixed, 6.750% note rate, 6.982% APR, estimated as of January 15, 2026.

Rates, APR, taxes, insurance, mortgage insurance, reserves, cash to close, fees, and qualifying terms can change based on credit, income, assets, property, occupancy, documentation, market movement, lender overlays, and underwriting.

This calculator is an educational estimate. It is not a Loan Estimate, credit decision, approval, or commitment to lend. Ask a licensed mortgage professional for a full review and an official Loan Estimate before making decisions.

* Example for illustration only: purchase price $450,000, 20% down, 30-year fixed, 6.750% note rate, 6.982% APR, estimated as of January 15, 2026.

Rates, APR, taxes, insurance, mortgage insurance, reserves, cash to close, fees, and qualifying terms can change based on credit, income, assets, property, occupancy, documentation, market movement, lender overlays, and underwriting.

This calculator is an educational estimate. It is not a Loan Estimate, credit decision, approval, or commitment to lend. Ask a licensed mortgage professional for a full review and an official Loan Estimate before making decisions.

Google
“José was a vital part of our home buying process… he was with us and guided us every step of the way. It is so important to surround yourself with professionals that are sharp, hard working and responsive. Thank you for making our dreams a reality!”
JR Gutierrez2024-07-31

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