🏠 Mortgage Calculator
Estimate your monthly payment, total interest, and PMI — with a clear breakdown of where every dollar goes.
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Loan amount
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Total interest
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Total paid
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Payment breakdown
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Amortization summary
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Years to payoff
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Interest in 1st payment
Smart mortgage tips
Save tens of thousands over the life of your loan.
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Put down 20%
A 20% down payment eliminates PMI, which can save you $100–$300+ every month until you reach 20% equity.
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Choose a shorter term
A 15-year loan has higher payments but can cut your total interest by more than half compared to 30 years.
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Make extra payments
Even one extra payment a year toward principal can shave years off your mortgage and save thousands.