Monthly payment · Taxes & costs · PMI tracking · Extra payment savings · Full amortization
Step 1

Loan Details

▾
$
%
e.g. 04/2026
Down Payment
$
⚠️ Below 20% — PMI applies (0.5%/yr default)
✅ 20%+ down — No PMI required
%
Annual % of loan. Blank = 0.5% default.
Step 2

Taxes & Costs (optional)

▾
Annual Costs
Property Tax
$
or
%
of home price/yr
Home Insurance
$
or
%
of home price/yr
$
$
Utilities, maintenance…
Annual Cost Increases
%
Per year
%
Per year
%
Per year
%
Per year
Step 3

Extra Payments (optional)

▾
Extra Monthly Payment
$
Starting
Year
Extra Yearly Payment
$
First Month
Year
One-Time Payments — up to 5
⚠️ Please enter Home Price and Interest Rate.
💡 Quick Tips
🏦PMI drops once you reach 20% equity (~78% LTV by federal law).
💵$200/mo extra on a $400K loan saves ~$60K in interest.
📉A 0.5% rate drop saves ~$120/mo on a $400K, 30-year loan.
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📋 Amortization Schedule

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