Buying, financing and owning a home
Mortgage Calculator with Taxes and PMI (2026)
Estimate your monthly mortgage payment with property tax, home insurance, PMI and HOA dues, then see the full amortization schedule year by year.
Monthly Payment Breakdown
Per MonthLoan Balance and Home Equity Over Time
Amortization Schedule by Year
| Year | Principal Paid | Interest Paid | PMI Paid | Remaining Balance | Equity at Purchase Price |
|---|
How This Calculator Works
This calculator adds up your monthly mortgage payment: principal and interest, property tax, homeowners insurance, private mortgage insurance (PMI) and HOA dues. Property tax uses your state’s average rate and PMI is estimated at 0.65% of the loan a year, so your real bill will differ somewhat.
On a conventional loan, putting down less than 20% usually means paying PMI. Under the Homeowners Protection Act, it ends automatically when the balance on your original payment schedule reaches 78% of the home’s original value. If you pay extra principal, you can ask your lender to cancel once your actual balance reaches 80%. The calculator assumes you do.
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